Michael Kovary
EVP
I founded AMS Mortgage Services in 1992 with a simple goal… build a brokerage grounded in integrity, expertise, and long-term relationships. Over the past 33+ years, I’ve had the opportunity to grow AMS into a full-service platform that supports both our clients and the loan officers who serve them. From day one, my focus has been empowering professionals, adapting to an evolving market, and creating an environment where people can truly build their business. Being recognized with the Lifetime Achievement in Mortgage Services Award in 2025 was an honor, but I still stay hands-on… working with clients, mentoring loan officers, and contributing to the industry every day.
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
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.
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 Condo approval status can vary — a unit may be listed as "Approved," "Eligible," "Expired," "Withdrawn," or "Rejected."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.