Home loans that don't force
you into a box.
Creative financing for buyers, investors, and self-employed borrowers the standard playbook wasn't built for.
Bay Area rooted, serving communities nationwide.
Want your actual numbers right now? 
Apply in real time
When the standard loan doesn't fit, I build one that does.
Most loan officers stop the moment your file doesn't fit the standard checklist. I don't. If your income, assets, or property don't look like a textbook case, I look at every program and every structure available until we find the one that actually works for your real life, not just the easy file.
If a lender already told you it couldn't be done, that's usually exactly when I can help.
we have access to
helped home
closings
turnaround
Whatever you're financing, there's a structure for it.
Here's the full lineup. If your situation is unusual, that's the point of the first card.
Creative Financing & Non-QM
Unique scenarios structured around your real income, your real assets, and your real timeline. Tap any card to see what it actually looks like.
- Bank statement & P&L income
- 1099-only qualifying
- Asset depletion
- Multi-property portfolios
- Subordinate financing
Flexible CreditFHA
Lower down payments and flexible credit qualifying for your first home.
Most popularConventional Fixed
One locked rate, one predictable payment, for the life of the loan.
VeteransVA
No down payment and exclusive benefits for those who served.
InvestorsDSCR
Qualify off the property's rental income, not your personal W-2.
Buy + renovateFHA 203k / HomeStyle Renovation
Roll the purchase and the remodel into a single loan.
HomeownersHELOC
Tap the equity you've built without touching your first mortgage.
Investors & flippersFix & Flip, Hard Money & Bridge
Fast, short-term capital for time-sensitive purchases.
High valueJumbo
Competitive financing above conventional loan limits.
First-time buyersDown Payment Assistance
Programs like CalHFA and GSFA that can reduce what you bring to closing.
Tap any card for a real breakdown. Figures shown are illustrative examples, not a quote, actual terms depend on your full profile and current program guidelines.
See Your Estimated Payment →The standard process wasn't built for your situation.
Your income is real, just hard to prove
Self-employed, 1099, commission, or a mix. The forms weren't built for you, but the programs exist.
You own more property than a standard file has room for
Multiple rentals, a portfolio, or a primary you're keeping while you buy again.
A lender already said no
And stopped explaining why. That's usually where the real conversation should've started.
You're financing something unconventional
A renovation, subordinate financing, an investment property that needs to pencil.
You want the numbers laid out plainly
Clear, labeled breakdowns. No jargon doing the explaining for me.
You want a lender who calls you back
Not a call center. Me, directly, from application to keys.
A relationship first,
not just a file number.
As your community lender, I stay with you from the first conversation through closing, and long after. Here's how we begin.
Tell me your scenario
Fill out the form below. No credit pull, no obligation.
We map your options and hop on a call
I review what you've shared and we talk through it together, so I understand the full picture before anything moves forward.
Get you pre-approved
Once we've landed on the right structure, I get you pre-approved and ready to make offers with confidence.
Go from there
Clear updates from application to keys, and a lender in your corner long after closing day.
Community lending, from someone who's part of the community.
Ashley has spent over 15 years in finance, building a career rooted in one belief: every move should move you forward. A lifelong learner by nature, she is always looking for new ways to grow, challenge herself, and better serve the people and communities around her.
As a mortgage lender, Ashley helps everyone from first-time homebuyers to seasoned investors understand their options, build confidence, and make decisions that support their bigger goals. Known for being both a fierce advocate and a steady guide, she leads with education, honesty, and genuine care—because her clients are never just transactions. Now in her third year on the NHORA East Bay board, where she serves as Vice President, Ashley continues creating opportunities that connect real estate professionals, expand access to homeownership, and strengthen the communities she proudly serves.
Hear from the families I've served.
Verified reviews from Experience.com and Google. Scroll, click the arrows, or tap a card to read the full review.
"Professional, knowledgeable, and always available to answer my questions throughout the home-buying process."
"Ashley was amazing in every step of the way."
"Ashley treated me like family since day one, making me feel safe and understood."
"Ashley ran a great process and provided excellent customer service."
"She was professional, knowledgeable, and extremely helpful throughout the entire process."
"They supported us in our needs and helped us with all our questions."
"Ashley Davenport with RC Lending is truly exceptional. We closed escrow in just 17 days."
"Ashley made this entire process easy for us by guiding us and answering any questions we had."
"Smooth and easy process, made my job easier."
"You were incredibly helpful and patient from start to finish."
"Another amazing transaction with Ashley! We appreciate you and all your hard work!"
"She was there for me all the time, and explained everything. An excellent person."
"Ashley is amazing and extremely passionate at what she does!"
"She represents my best interest and protected us from a very shady builder."
"Ashley was always attentive, gave fast and detailed responses."
"Super helpful every step of the way, wouldn't of picked anyone else for the job."
"Keeping me so well informed of each step."
"Ashley and her team were on top of everything. We had a great experience."
"Super informative to both me and my clients. Follow through was amazing. 10/10 recommend!"
"She made the process of purchasing my first home such a smooth process."
"Ashley is absolutely the best! She was there every step of the way."
"Ashley is a hardworking and knowledgeable professional that seamlessly guided me through buying a home."
"My husband and I had a great experience, and we highly recommend her."
Milestones, closings & celebrations.
Real closings, NHORA moments, and everything that makes this community-first.
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Questions? Answered.
It means I don't stop at the first program that says no. I look at Non-QM structuring, blended income, asset depletion, and subordinate financing to find a path that a one-size-fits-all process would miss.
I'm based in California, and Cornerstone First Mortgage is licensed nationwide, so wherever you're buying, there's likely a path. Just tell me the state.
Often, yes. That's usually exactly when a creative financing structure makes the difference. Send me your scenario and I'll tell you honestly what I see.
No. The contact form doesn't touch your credit at all, it's simply how I get your info so I can start reaching out personally. If you want real, live numbers right away, the application link runs a soft credit pull that won't affect your score.
Fill out the contact form below. I personally review every submission and follow up myself to set up a call, no auto-scheduler, no call center. Prefer real numbers first? The application link works too, and I'll still follow up personally.
Let's start the conversation.
Tell me about your situation below. I'll personally review it, then we'll set up a call to talk through your options together, no auto-scheduler, no call center.
Want to see real numbers right now? You can apply directly here and I'll still follow up personally.