Todd Sales
MLO
I’ve been in the mortgage industry for over 27 years, specializing in purchase loans and refinances for all types of borrowers. With access to 40+ lenders, I can offer a wide range of programs with competitive rates and costs. What sets me apart is service. When you call, you get me… not an answering service or assistant. I’m available days, nights, and weekends to guide you through the process and handle issues as they come up. My experience allows me to make the mortgage process smoother and more comfortable than most banks or big-box lenders.
For a personalized home loan experience, call or text 201-832-1503 or email tsales@amsmtg.com.
Why AMS Mortgage Services?
Trusted by families across the nation since 1992
What My Clients Say
Real reviews from real clients
"The best customer service Todd is incredibly professional, follows up all the time, always provides you with the support you need during the process, and more importantly, he is incredibly quick to respond and always gets it right. Todd was constantly accessible and ensured that the deal proceeded as planned. Todd made a stressful process less stressful. I would highly recommend Todd , he always went above and beyond for us! Very knowledgeable! thank you Todd."
— midian zaldana
"I first worked with Todd back in 2013 when I bought my townhouse, then I refinanced with Todd in 2016, Most recently Todd helped me out with the mortgage of my single-family house. My experience with Todd has been exceptional, he is very professional, very responsive, will go out of his way to make sure the complex mortgage process is not too painful. But most importantly he gets me the best rate, I usually shop around for everything, but when it comes to mortgages I trust Todd to get me the best deal. I recommend Todd to anyone without any hesitations. He’s a Rockstar!"
— Dhanushka from Kendall Park, NJ
"I was referred to Todd Sales years ago by my niece who used his services for a refinance. I refinanced my home as well. Years later when it was time to sell my home and buy a new one I contacted Todd. Not only did he get me a great deal, he remained calm and did damage control during all of the unexpected glitches that occur when anyone is buying and selling at the same time. He even put me in touch with a mover at the last minute who turned out to be fantastic. Todd's service is definitely above and beyond."
— Kim Carissimo
"I have had the chance to work with Todd several times. He worked with me on my personal mortgage, as well as multiple investment properties. He is as professional and personable as they come. Extremely hard working. I also think the guy doesn't sleep. Have received emails from him late at night to extremely early in the morning. I have gained such confidence in him that there is no need to shop around. His honesty is everything."
— John L from Wayne, NJ
"My husband and I are so thankful to have worked with Todd throughout the purchase of our first home! He explained everything so clearly and was very straight forward. He was patient and thorough answering all of our questions (and we had a lot!). Todd was also professional and knowledgeable which was so important to us. We would recommend Todd in a heartbeat!"
— guintax18 from Pequannock, 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
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.


