James Rashid
MLO
James Rashid is a seasoned Mortgage Consultant with a multifaceted background in loan origination, and processing. His areas of expertise span FHA, Conventional, Commercial, and Residential loans. A savvy professional, James has also channeled his know-how into community engagement by creating workshops aimed at First-Time Home Buyers. These initiatives have contributed to neighborhood revitalization projects across Essex and Union counties. Specializations include Credit Analysis, compliance with Fannie Mae and Freddie Mac, and a comprehensive understanding of FHA/VA, including 203K Rehabilitation Loans. He possesses an acumen in Reverse Mortgages and offers Commercial Financing solutions.
Why AMS Mortgage Services?
Trusted by families across the nation since 1992
What My Clients Say
Real reviews from real clients
"Our Lender Was Amazing And Such A Pleasure To Work With. James Rashid Was Nothing But Straightforward, Hands On And Always Willing To Hear Me Out From Beginning To End. I Would Definitely Recommend Him And His Services With No Hesitation."
— AllsmilesZV
"James was recommended to me by a family friend as I started my search for my first home. He listened to all of my concerns and was very open and honest about what my options were. As many documents were time sensitive, James responds in a timely manner and is generally available everyday. He is not only knowledgeable about mortgage lending, but he has also forwarded programs, that I'm eligible for, to help me maintain my home. I will happily recommend him to anyone whether they are a first-time home buyer or looking for an investment property."
— NICOLE FRANCIS from Newark, NJ
"Mr. James is a godsend! I was introduced to him by a friend after discussing my goal of buying a home in the next year. I spoke to Mr. James over the phone about my plans and he listened and gave me honest feedback. I was very nervous to move forward with starting the process to buying a home and Mr. James stuck with me and guided me with open and honest communication with a straightforward approach. He was always available very organized and knowledgeable. With his help I was able to buy my first home and receive 22k from a state grant! Mr. James works endlessly for his clients and I felt the dedication he has to his clients and work."
— Shatira B from Newark, NJ
"James was very helpful and knowledgeable but at the same time willing to explain things in a way it was more easier to understand and I think that is very important for first time home buyers like me. HIGHLY RECOMMEND!"
— Tashan Reaves from South Plainfield, NJ
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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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:
Ready to Get Started?
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.