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Proudly serving clients across New Jersey, Florida and South Carolina.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass Great experience MeganForked River, NJ May 29
Great experience
Rating: 5.0 out of 5.0 from Encompass Ashley was extraordinar! she made the first time home buying process easy and painless. SamanthaBrick, NJ May 18
Ashley was extraordinar! she made the first time home buying process easy and painless.
Rating: 5.0 out of 5.0 from Encompass This was our second time working with Ashley, and once again she delivered an exceptional experience. Her professionalism, communication, and attention to detail made the entire process seamless from start to finish. We truly appreciate her dedication and would highly recommend her to anyone in need of a top-tier mortgage lender. JerryLittle Egg Harbor TWP, NJ Apr 24
This was our second time working with Ashley, and once again she delivered an exceptional experience. Her professionalism, communication, and attention to detail made the entire process seamless from start to finish. We truly appreciate her dedication and would highly recommend her to anyone in need of a top-tier mortgage lender.
Rating: 5.0 out of 5.0 from Encompass Ashley Bulwin was great from start to finish JosephForked River, NJ Apr 15
Ashley Bulwin was great from start to finish
Rating: 5.0 out of 5.0 from Encompass She was very professional and this is our 2nd time dealing with her. Everything went smoothly. She contacted us immediately, if any more documents were required, and we were able to provide any documents required to close as soon as possible. Mission accomplished! Thank you Ashley and staff! JeffreyIsland Heights, NJ Mar 10
She was very professional and this is our 2nd time dealing with her. Everything went smoothly. She contacted us immediately, if any more documents were required, and we were able to provide any documents required to close as soon as possible. Mission accomplished! Thank you Ashley and staff!
Rating: 5.0 out of 5.0 from write_review We had an amazing experience working with Ashley while buying our first home. As first-time homebuyers, we had a lot of questions, and she has been patient, responsive, and incredibly knowledgeable. She guided us through every step of the process and made what could have been stressful feel smooth and manageable. We truly felt supported the entire ... Samantha Mar 09
We had an amazing experience working with Ashley while buying our first home. As first-time homebuyers, we had a lot of questions, and she has been patient, responsive, and incredibly knowledgeable. She guided us through every step of the process and made what could have been stressful feel smooth and manageable. We truly felt supported the entire ...
Rating: 5.0 out of 5.0 from Encompass Ashley and her team were so helpful and made my refinance an absolute breeze! They were helpful and efficient. AlexisToms River, NJ Mar 03
Ashley and her team were so helpful and made my refinance an absolute breeze! They were helpful and efficient.
Rating: 5.0 out of 5.0 from Encompass We had a tine crunch at the end (typical) and Ashley quickly put all the necessary ducks in a row so we could close on time. Francine MTOMS RIVER, NJ Jan 27
We had a tine crunch at the end (typical) and Ashley quickly put all the necessary ducks in a row so we could close on time.
Rating: 5.0 out of 5.0 from Encompass Ashley was fantastic from start to finish. Super responsive and able to answer our many questions. We had a really difficult close due to the seller and Ashley stepped in to navigate many complexities on our behalf going above and beyond. I would highly recommend Ashley to anyone looking for a home mortgage lender. Alessandra ElizabethFranklinville, NJ Jan 14
Ashley was fantastic from start to finish. Super responsive and able to answer our many questions. We had a really difficult close due to the seller and Ashley stepped in to navigate many complexities on our behalf going above and beyond. I would highly recommend Ashley to anyone looking for a home mortgage lender.
Rating: 4.2 out of 5.0 from Encompass It was a true pleasure working with Ashley. She did an excellent job guiding us through the process which ultimately resulted in everything we wanted to accomplish. Walter EBayville, NJ Jan 12
It was a true pleasure working with Ashley. She did an excellent job guiding us through the process which ultimately resulted in everything we wanted to accomplish.
Rating: 5.0 out of 5.0 from Encompass Ashley went above and beyond to make sure everything was perfect and correct. She answered any question we had regardless of the day or time. She was extremely professional and helpful. We can't thank her enough! Dominic ThomasFranklinville, NJ Jan 12
Ashley went above and beyond to make sure everything was perfect and correct. She answered any question we had regardless of the day or time. She was extremely professional and helpful. We can't thank her enough!
Rating: 5.0 out of 5.0 from Encompass Ashley and her team were a pleasure to work with. She answered every question we had with great knowledge and guided us toward the best option, all so timely. We couldn't have done it without her. A seamless process with Annie Mac. KasieBayville, NJ Nov 21
Ashley and her team were a pleasure to work with. She answered every question we had with great knowledge and guided us toward the best option, all so timely. We couldn't have done it without her. A seamless process with Annie Mac.
Rating: 5.0 out of 5.0 from Encompass Ashley was extremely responsive and attentive throughout the entire home purchasing process. Easily the least stressful interaction I had during such a big moment in someone's life was working with Ashley and AnnieMac. No questions asked, I would/will be contacting Ashley for any future home buying purchases and sending anyone I her way. Give this... JamesLakehurst, NJ Oct 15
Ashley was extremely responsive and attentive throughout the entire home purchasing process. Easily the least stressful interaction I had during such a big moment in someone's life was working with Ashley and AnnieMac. No questions asked, I would/will be contacting Ashley for any future home buying purchases and sending anyone I her way. Give this...
Rating: 5.0 out of 5.0 from Encompass Great transparency, communication and overall professionalism . Paul JHowell, NJ Sep 19
Great transparency, communication and overall professionalism .
Rating: 5.0 out of 5.0 from Encompass Communication is the key to any successful transaction. Ashley was always available to take my call or text and kept the process seamless. DeborahHowell, NJ Sep 09
Communication is the key to any successful transaction. Ashley was always available to take my call or text and kept the process seamless.
Rating: 5.0 out of 5.0 from Encompass Communication, knowledge, responsiveness, and ability to get the loan closed! JamesBarnegat, NJ Aug 22
Communication, knowledge, responsiveness, and ability to get the loan closed!
Rating: 5.0 out of 5.0 from Encompass From my first contact in the initial phase of house hunting and obtaining prequalification, through the actual lending process to closing, Ashley was nothing short of professional, helping and attentive. She was always there day or night to not only answer questions, but was consistently a step ahead of everything to guide me and make my first time... MelissaBrick, NJ May 14
From my first contact in the initial phase of house hunting and obtaining prequalification, through the actual lending process to closing, Ashley was nothing short of professional, helping and attentive. She was always there day or night to not only answer questions, but was consistently a step ahead of everything to guide me and make my first time...
Rating: 5.0 out of 5.0 from Encompass Ashley was great as always! Robert NTOMS RIVER, NJ May 14
Ashley was great as always!
Rating: 4.5 out of 5.0 from Encompass Truthfully there was not alot of interaction between myself and the rep but everything flowed very smoothly and any glitches were dealt with between the rep and my client right to the closing table on schedule Every realtor loves on schedule JosephineTOMS RIVER, NJ May 14
Truthfully there was not alot of interaction between myself and the rep but everything flowed very smoothly and any glitches were dealt with between the rep and my client right to the closing table on schedule Every realtor loves on schedule
Rating: 5.0 out of 5.0 from Encompass Ashley and the entire AnnieMac team made my home buying experience smooth. Ashley was in constant communication with me through email, text or phone call theoughout the entire process and truly helped guide me through as a first time homebuyer. AlexisTOMS RIVER, NJ May 14
Ashley and the entire AnnieMac team made my home buying experience smooth. Ashley was in constant communication with me through email, text or phone call theoughout the entire process and truly helped guide me through as a first time homebuyer.
Rating: 5.0 out of 5.0 from Encompass Ashley was incredible to deal with . I told her on multiple occasions that I thought this whole process was suspiciously smooth. She kept in constant contact with me via email, texts and phone calls during this entire process. her communication made her great to work with. RobertBayville, NJ Apr 16
Ashley was incredible to deal with . I told her on multiple occasions that I thought this whole process was suspiciously smooth. She kept in constant contact with me via email, texts and phone calls during this entire process. her communication made her great to work with.
Rating: 5.0 out of 5.0 from Encompass Ashley and her team were fantastic as always! Luis AlejandroTOMS RIVER, NJ Dec 03
Ashley and her team were fantastic as always!
Rating: 5.0 out of 5.0 from Encompass personalization and communication Katherine ABoonton, NJ Nov 24
personalization and communication
Rating: 5.0 out of 5.0 from Encompass Ashley and her team did a FANTASTIC job overall. She was always on top of each step and got us to closing earlier than we had hoped. BenjaminBoonton, NJ Nov 11
Ashley and her team did a FANTASTIC job overall. She was always on top of each step and got us to closing earlier than we had hoped.
Rating: 5.0 out of 5.0 from Encompass Flawless communication and thoroughly efficient DavidBoonton, NJ Nov 11
Flawless communication and thoroughly efficient