The right loan
changes everything.
Every situation is different. As a mortgage broker, we match you with the right lender, the right program, and the right terms, all from a network of top wholesale lenders. One application. Dozens of options. The loan that fits your life.
NMLS #20843 • Equal Housing Opportunity • Licensed in 9 States
Why Families Choose AMS
"AMS found me a rate 0.5% lower than my bank offered. Having access to so many lenders made all the difference."
— Maria R., Newark, NJ
"Ray walked us through every step. We closed in 28 days and saved thousands compared to our original quote."
— James & Lisa T., Clifton, NJ
"I was nervous about refinancing, but the AMS team made it seamless. My monthly payment dropped by $340."
— David K., Fountain Valley, CA
A Loan for Every Situation
From first-time buyers to investors, we have the right mortgage solution.
Home Purchase Loans
- Conventional, FHA, VA & USDA options
- Down payments as low as 0%
- Competitive options from dozens of lenders
- Expert guidance start to finish
Refinancing
- Lower your monthly payment
- Cash-out for renovations or debt
- Streamline refinance options
- No closing cost programs available
Down Payment Assistance
- State & local grant programs
- FHA assistance programs
- First-time buyer specials
- Employer assistance options
Specialty Loans
- Jumbo & Construction loans
- HELOC / Home Equity
- Alternative lending
- Investment property loans
Why a Broker Beats a Bank
Banks sell you THEIR products. We shop dozens of lenders to find YOUR best fit.
More Options, Better Fit
One application gets you quotes from dozens of wholesale lenders, including major banks, credit unions, and specialty lenders. More competition for your loan means a better outcome for you.
One Point of Contact
Your dedicated AMS loan officer handles everything: rate shopping, paperwork, underwriting coordination, and closing. You get one person who knows your deal inside and out.
Expert Guidance for Complex Situations
Self-employed? Non-traditional income? Past credit issues? Our 34 years of broker experience means we know which lenders say yes when banks say no.
Going Direct to a Bank
Going Through AMS
"We don't work for the lenders. We work for you."
— Michael Kovary, Founder
Your Dream Home is Closer Than You Think
Take 2 minutes to see what you qualify for. No obligation, no credit impact.
Serving You Before, During, and After Your Loan Closes