# AMS Mortgage Services

> Full-service mortgage broker since 1992. Access to wholesale lenders for purchase, refinance, VA, FHA, USDA, jumbo, construction, HELOC, and non-QM loans across NJ, NY, PA, CT, TX, NC, GA, CA, and FL.

## Pages

- [Home](/): AMS Mortgage Services overview and how to get pre-qualified.
- [About Us](/about-us): Company history, leadership, and mission since 1992.
- [Our Process](/our-process): Step-by-step look at the AMS mortgage process.
- [Branches](/branches): Find an AMS branch and local loan officer.
- [Loan Programs](/loan-programs): All mortgage programs offered by AMS.
- [Purchase](/loan-programs): Programs for buying a home.
- [Refinance](/refinance): Rate-and-term and cash-out refinance options.
- [Pre-Approval](/pre-approval): Start a mortgage pre-qualification.
- [Conventional Loans](/loans/conventional): Conventional mortgage details.
- [FHA Loans](/loans/fha): Low down payment FHA loans.
- [VA Loans](/loans/va): No-down-payment VA loans for veterans.
- [USDA Loans](/loans/usda): Rural development USDA loans.
- [Jumbo Loans](/loans/jumbo): High-balance jumbo financing.
- [Construction Loans](/loans/construction): Build-to-perm and construction financing.
- [HELOC](/loans/heloc): Home equity line of credit.
- [Alternative Lending](/loans/alternative-lending): Bank statement, DSCR, and non-QM programs.
- [Down Payment Assistance](/loans/down-payment-assistance): DPA programs and grants.

## Resources

- [Mortgage Calculator](/resources/mortgage-calculator): Payment, affordability, and APR calculators.
- [Home Buying Guide](/resources/home-buying-guide): Educational guide for buyers.
- [FAQ](/resources/faq): Frequently asked mortgage questions.
- [Condo Approval Lookup](/resources/condo-approval): VA and FHA condo project lookup.
- [Mortgage Broker vs. Direct Lender](/resources/mortgage-broker-vs-lender): Side-by-side guide comparing brokers and banks.
- [News](/news): Mortgage market updates and AMS news.

## Optional

- [Careers](/careers): Loan officer and assistant career opportunities.
- [Licensing](/licensing): State licensing and NMLS information.
- [Accessibility](/accessibility): Accessibility statement.
- [Privacy Policy](/privacy-policy): Privacy practices.
- [Terms of Service](/terms-of-service): Terms governing use of the site.
- [Disclosures](/disclosures): Required disclosures.