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Get pre-approved in Kansas City — with a lender who actually picks up the phone.
Meet Ashley Ware — the mortgage loan officer bringing boots, bold strategy, and a whole lot of heart to homeownership.
Known around the Kansas City area as “The Line Dancing Lender,” Ashley believes buying a home shouldn’t feel overwhelming or transactional. It should feel exciting, empowering, and maybe even a little fun. Whether she’s hosting community line dancing events or helping families navigate financing, her mission stays the same: bringing people together and helping them move forward with confidence.
As a Mortgage Loan Officer with Bench Mortgage serving clients across Kansas and Missouri, Ashley helps homebuyers find financing solutions that fit their goals — from first-time buyers and growing families to self-employed borrowers and homeowners looking for smarter mortgage strategies. Her approach is honest, direct, relationship-driven, and focused on making the process simple and stress-free.
From line dancing to lending, Ashley has built a brand centered around community, connection, and helping people take the next step — whether that’s onto the dance floor or into their dream home.
Because around here, it’s not just about getting approved.
It’s about helping you feel at home before you even get the keys.
Ashley Ware
Mortgage Loan Officer
My journey in real estate started early when I purchased my first home at 18 years old. That experience led me to move across the country a couple times, and spend 6 years as a Realtor, helping buyers and sellers navigate the housing market. I am here to help clients find the right loan solutions and confidently move forward with their homeownership goals.
Scared and not know where to start?
Begin with talking with me.
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Frequently asked questions
How can I purchase a home with no money down?
Yes, it's possible to buy a home with little or no down payment — but it typically requires meeting specific eligibility criteria. Here are the main options:
Government-Backed Loan Programs
VA Loans — Available to eligible veterans, active-duty service members, and surviving spouses. The VA guarantees the loan, allowing 0% down with no private mortgage insurance (PMI).
USDA Loans — For homes in eligible rural and some suburban areas. Offered through the U.S. Department of Agriculture with 0% down for qualifying low-to-moderate income buyers.
Low Down Payment Alternatives (Not Exactly Zero, But Close)
FHA Loans — Require only 3.5% down with a credit score of 580+. More lenient credit requirements make these accessible to many first-time buyers.
Fannie Mae HomeReady / Freddie Mac Home Possible — Conventional loans requiring as little as 3% down for income-qualifying buyers.
Down Payment Assistance Programs (DPA)
Many state, county, and city governments offer grants or forgivable loans to cover your down payment. These can effectively bring your out-of-pocket cost to $0 when combined with a qualifying mortgage.
Important Considerations
No money down ≠ no costs. You'll still likely need funds for closing costs (2–5% of the loan), home inspections, and moving expenses.
PMI may apply. On conventional loans with less than 20% down, you'll pay private mortgage insurance monthly until you build enough equity.
Higher monthly payments. A larger loan balance means more interest paid over time.
Credit and income still matter. Even zero-down loans require stable income, acceptable debt-to-income ratios, and a decent credit score.
Bottom Line
The best no-money-down path depends on your military status, location, income, and credit profile. Speaking with a HUD-approved housing counselor or a licensed mortgage professional can help you identify which programs you qualify for and compare the true long-term costs.
This information is for general educational purposes. Consult a licensed mortgage advisor or financial professional for guidance tailored to your situation
Ashley Ware| Mortgage Loan Officer | NMLS #2715992
Benchmark Mortgage | Company NMLS #2143
7819 Conser Place, Overland Park, KS 66204
aware@benchmark.us | 913.444.2354
© 2023 Ark-La-Tex Financial Services, LLC, NMLS #2143
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All loans subject to credit approval. Rates and fees subject to change.
In accordance with Section 326 of the USA PATRIOT Act of 2001, Ark-La-Tex Financial Services, LLC NMLS: 2143 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
Ashley Ware NMLS 2715992
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