About Ambrose Ling
Helping Homebuyers, Veterans, Investors, and Self-Employed Borrowers Secure Financing with Confidence Hi, I'm Ambrose Ling, a mortgage loan officer based in Rhode Island, helping clients navigate the home financing process with clarity, confidence, and personalized guidance. Since entering the mortgage industry in 2001, I've helped more than 2,000 clients achieve their homeownership and financial goals. I work with a wide range of borrowers, including first-time homebuyers, veterans, investors, self-employed borrowers, and homeowners seeking refinancing options throughout the Northeast and Southeast regions. I specialize in a variety of loan programs, including FHA, VA, Conventional, Jumbo, and Non-QM loans, and I have extensive experience helping clients with unique financial situations. Whether you're dealing with credit challenges, self-employment income, a complex transaction, or need a fast closing, I'll work closely with you to find the right solution. Whether you're: - Buying your first home - Refinancing your current mortgage - Investing in real estate - Exploring FHA, VA, Conventional, Jumbo, or Non-QM loan options I'll walk you through your choices and help you make informed decisions based on your goals, not simply recommend the easiest path. What Sets Me Apart - Honest, transparent communication from start to finish - Fast, responsive service, including evenings and weekends - Step-by-step guidance throughout the entire mortgage process - A commitment to educating clients so they feel confident in every decision - Over two decades of industry experience helping borrowers navigate even the most complex financing scenarios My clients consistently tell me they appreciate my honesty, availability, and responsiveness. I believe that great service means being accessible when clients need answers and providing the information necessary to make smart financial decisions. **Frequently Asked Questions** Do you need 20% down to buy a home? No. Many buyers qualify with as little as 3% to 5% down depending on the loan program and their individual circumstances. What credit score do you need? Every situation is different, and there are financing options available for borrowers with less-than-perfect credit. How much home can you afford? Your purchasing power depends on factors such as income, debt, assets, and long-term goals. I'll help you understand exactly what works best for your situation. Throughout my career, I've been honored to receive numerous sales and customer service awards and was recognized as a Top 1% Loan Originator, reflecting my commitment to delivering exceptional results and client experiences. When I'm not helping clients secure financing, I enjoy spending time with my wife, whom I've been married to since 2001, our daughter, Savannah, and family and friends. Outside of work, I enjoy baseball, football, fishing, and golf. I believe this business is built on relationships, trust, and being a resource clients can count on long after the transaction is complete. If you're considering buying a home, refinancing, investing in real estate, or simply exploring your options, I'd love the opportunity to help.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 465 Reservoir Avenue, Cranston RI, 02910