Rafael Pareja
MLO
After doing business in Germany for 23 successful years, Rafael chose to live in New Jersey because of the untapped opportunities this state offers and the winning mentality of the American society.
Rafael Pareja launched his MLO business in December 2023. One of the most important reasons he chose this career was to help other people realize the dream of owning their own home. He enjoys the contact with people who strive to make their dreams come true. He strives to help them and to advise them professionally.
Rafael has developed an independent, structured, and goal-oriented way of working as well as a high level of social competence in dealing with business partners, work colleagues, customers, and clients.
Why AMS Mortgage Services?
Trusted by families across the nation since 1992
How I Can Help You
Purchase a Home
Get pre-approved and find the perfect loan program for your new home purchase.
Refinance
Lower your rate, reduce your term, or access your home's equity.
Investment Properties
Grow your portfolio with financing options for investment properties.
Calculate Your Payment
Use our mortgage calculator to estimate your monthly payments and see what you can afford.
Mortgage Calculator
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Quickly estimate your monthly mortgage payment, including property taxes, homeowners insurance, and mortgage insurance, to give you the full picture.
This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.
The above information is meant for educational purposes only. Actual fees, costs, and payments may vary. As a result of refinancing, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify. Rates and terms are subject to change based on market conditions and borrower eligibility. Monthly Payment does not include taxes and insurance. Your payment obligation will be higher.
Check VA & FHA Condo Approval Status
Planning to purchase a condominium? It's important to verify whether the property is on the approved list for FHA or VA financing. Condo approval status can vary — a unit may be listed as "Approved," "Eligible," "Expired," "Withdrawn," or "Rejected." Confirming approval status early in the process helps avoid financing delays and ensures a smoother path to closing.
Verify your Condominium or HOA approval status using the official lookup tools below:
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Let's discuss your mortgage needs and find the best solution for your situation. I'm here to help make your homeownership dreams a reality.