Find your comfortable
place to start.
Explore your budget, cash to close, and loan options before you make your move.
Explore purchase loansKansas City roots · Home loans in all 50 states
Kansas City home loans.
Ashley in your corner.
Meet KC Loan Lady, Ashley Jones at First State Bank Mortgage. Get a clear plan for buying or refinancing in Kansas City, with lending available in all 50 states.
Talk directly with Ashley. Start with the questions on your mind.
Ashley JonesOne loan officer. Wherever you call home.Senior Loan Officer · NMLS #1739681
Make room for what’s next
Where are you headed?
Start with your goal. We’ll make the numbers, choices, and next steps easier to understand.
Find your comfortable
Give your mortgage
a second look.
Compare the costs and tradeoffs of a new loan against the mortgage you have now.
Explore refinancingUnderstand the benefit
you’ve earned.
Get clear about eligibility, entitlement, and the costs of a VA purchase or refinance.
Explore VA loansA real person. A clearer process.
More than a rate.
A plan for your home.
A mortgage is a big decision. Your questions deserve more than a quick quote and a stack of paperwork.
Get to know Ashley- Start with your life, then the loan.
Talk through your timeline, payment comfort zone, and the cash you want to keep available.
- Compare the whole picture.
Look at fees, taxes, insurance, loan terms, and your plans for the property.
- Know your next step.
Move from questions to documents to an application through the bank’s secure process.
Rooted in Kansas City
Kansas City roots.
A nationwide reach.
Ashley is based in Gladstone, Missouri, and can help with home loans in all 50 states. Buying nearby? Explore her Kansas City mortgage guide.
Explore local mortgage guidanceBefore you choose a mortgage
Good questions. Useful answers.
A little clarity goes a long way
Your questions, answered.
Can Ashley help with a mortgage outside Kansas City?
Yes. Ashley helps borrowers in all 50 states through First State Bank Mortgage. Available programs and requirements depend on your location, property, and qualifications. Her office is in Gladstone, Missouri.
Can I talk with Ashley before applying?
Yes. Call or email Ashley to discuss whether you are buying, refinancing, or exploring your options. A conversation can help you decide what to prepare before beginning an application.
Do I need 20% down to buy a home?
Not always. Down-payment requirements vary by loan program and borrower eligibility. Mortgage insurance, closing costs, and the payment you can comfortably sustain belong in the same conversation.
How do I know whether a refinance is worth it?
Compare closing costs, the new loan balance, the payment, and the time remaining on both loans. A lower monthly payment can still increase lifetime interest if the term is extended.
Does a VA loan guarantee approval?
No. VA eligibility and lender approval are separate. Your Certificate of Eligibility, credit, income, entitlement, and the property all matter.
Where does my mortgage application go?
The Apply with Ashley link opens First State Bank’s application site with Ashley’s bank email in the referral link. Sensitive financial information and documents belong in the bank’s secure process.