201-279-9530
At AMS Mortgage Services, trust is more than a promise—it's a tradition we've upheld for over 32 years.
Backed by decades of expertise, we are dedicated to simplifying the mortgage process and tailoring solutions to meet your unique needs. Whether you're a first-time homebuyer or looking to refinance, we're here to help you navigate every decision with confidence.
See what MORTGAGe programs you qualify for
From First Time Home Buyers to 2nd Homes, To Investment Properties – your journey begins here
Whether you're aiming for a lower rate, accessing cash, or exploring a home equity loan, kick off your refinancing journey right here
ABOUT Rafael
Rafael Pareja, a licensed mortgage loan originator in New Jersey, is passionate about helping people achieve their dream of homeownership. With a commitment to guiding clients every step of the way, he offers professional advice tailored to each individual’s needs, ensuring they feel supported and informed throughout the process. After building a successful 23-year career in Germany, Rafael brings a unique blend of international experience in Business Administration, Marketing, and Event Management, alongside an independent, goal-oriented work style. In his free time, he enjoys composing music, traveling with family, and spending time with his dog, Dante.
201-279-9530
What will your monthly payment look like?
Quickly estimate your monthly mortgage payment—including property taxes, homeowners insurance, and mortgage insurance—to give you the full picture.
About Rafael
Rafael Pareja, a licensed mortgage loan originator in New Jersey, is passionate about helping people achieve their dream of homeownership. With a commitment to guiding clients every step of the way, he offers professional advice tailored to each individual’s needs, ensuring they feel supported and informed throughout the process. After building a successful 23-year career in Germany, Rafael brings a unique blend of international experience in Business Administration, Marketing, and Event Management, alongside an independent, goal-oriented work style. In his free time, he enjoys composing music, traveling with family, and spending time with his dog, Dante.
201-279-9530
We Specialize In
Fast Pre-Approvals
At AMS Mortgage, our journey with you begins with a personalized discovery process. Our team is dedicated to guiding you through a mortgage process customized just for you.
First Time Homebuyers
We specialize in making first-time home buying a breeze. From loan programs to down payment assistance, we make the journey to home ownership stress-free.
Communication
Our top priority is keeping you well-informed during the loan process. Our Concierge Mortgage Program ensures a seamless experience.
© 1992-2025 AMS Mortgage Services, Inc. NMLS#20843. All rights reserved. For more information, call 973-276-1226. NOT AFFILIATED WITH AMS MORTGAGE SERVICING, we are a mortgage origination company and do not service, collect or modify mortgage loans.
AMS Mortgage Services is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.