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AMS Mortgage Services Inc.

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United States
Newark, NJ
AMS Mortgage Services Inc.

Equal Housing Opportunity
NMLS #20843

Licensed Mortgage Broker in CA, FL,NJ, NY, CT, TX, NC, GA, and PA.

10/30/2026

Real Estate Networking: Find Opportunity in a Changing Market

When companies shrink and uncertainty grows, it's easy to assume business opportunities are disappearing. But the right relationships can help you grow when others pull back. ⚠️

At AMSA 26, Michael Kovary sat down with Scott Rutkay and Mohamed Amin to discuss why the next 24 months could create new opportunities for real estate professionals.

Instead of focusing on market uncertainty, Scott emphasizes building strong realtor and lender partnerships, identifying reliable service providers, and investing in long-term relationships. 💡 The right team can improve coordination, reduce transaction friction, and help every deal run more smoothly.

The takeaway? Strengthen your network, find partners you can trust, and build a team that supports your success through every market cycle.

Want to strengthen your mortgage business and build better industry partnerships? Connect with AMS Mortgage Services at https://amsmtg.com/

Follow ,, , and for more mortgage and realty industry insights, and networking strategies! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/30/2026

Systems Create Freedom: Scale Your Business Smarter

Feeling overwhelmed by daily tasks and struggling to find time for what matters most? ⚠️ Without the right systems, growing your business can mean more work instead of more freedom.

At AMSA 26, Pete Romano shared how building strong business processes can help loan officers and real estate professionals streamline operations, delegate tasks, and improve productivity.

Instead of doing everything yourself, invest in systems that support growth, strengthen your CRM processes, and create opportunities to scale. The goal? More time, less stress, stronger business performance, and more freedom to enjoy life outside work. 💡

Want to improve your business processes and discover smarter ways to grow? Explore how AMS Mortgage Services supports mortgage professionals at https://amsmtg.com/

Follow for more mortgage industry insights and business growth strategies! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/29/2026

Control What You Can Control: Mortgage Industry Insights

You can’t control market rates, last-minute cancellations, or other people’s decisions. But you can control how you respond, the opportunities you pursue, and the relationships you build. ⚠️

At AMSA 26, Mat Grella shared a powerful reminder about navigating challenges in business and the mortgage industry. Instead of focusing on uncontrollable obstacles, focus on loan officer growth strategies, intentional actions, and building meaningful realtor and lender partnerships. 💡

Success isn’t about controlling every outcome. It’s about taking action, approaching opportunities with the right intentions, and staying consistent even when things don’t go as planned.

Want to strengthen your mortgage business and build lasting industry relationships? Explore how AMS Mortgage Services supports mortgage professionals at https://amsmtg.com/

Follow and for more expert mortgage insights and market updates! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/29/2026

The Golden Age of Cash-Out Refinancing for Self-Employed Borrowers

Self-employed borrowers may have more opportunities to access their home equity than ever—but reaching them requires the right strategy. ⚠️

At AMSA Expo, Kimberley Torres, Mike McCarthy, and Freddy Almengor discussed why now could be a prime opportunity for self-employed borrowers seeking cash-out refinancing and how loan officers can connect with this underserved market.

Instead of treating alternative financing as just another product, focus on building relationships and creating consistent referral opportunities. 💡

🔹 Connect with CPAs: Build relationships with professionals who work closely with self-employed clients.

🔹 Engage real estate investor clubs: Attend monthly meetings, deliver presentations, and build trust with potential referral partners.

🔹 Treat it like a business: Develop a repeatable strategy for generating leads and growing your self-employed borrower pipeline.

Want to explore mortgage solutions for self-employed borrowers and expand your lending opportunities? Visit https://amsmtg.com/

Follow for more expert mortgage insights and industry updates! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/28/2026

Experience Matters When the Market Gets Tough

Experience alone doesn’t guarantee more closings—but it can make the difference when the market gets challenging. ⚠️

At AMSA 26, Michael Kovary shared an important reminder for loan officers: experienced professionals know how to navigate difficult markets because they’ve faced setbacks and learned how to overcome them.

Instead of relying on experience alone, focus on these key principles:

🔹 Learn from past challenges: Use previous market cycles to make smarter decisions.

🔹 Strengthen your loan officer growth strategies: Identify opportunities to gain market share, even in a challenging environment.

🔹 Know what you sell: Understand the value you bring to borrowers and referral partners beyond simply offering a loan.

💡 The takeaway? Experience isn’t just about years in the industry. It’s about knowing how to adapt, overcome obstacles, and keep moving forward.

Want to strengthen your mortgage strategy and explore more lending opportunities? Visit https://amsmtg.com/

Follow and for more expert mortgage insights and industry updates! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/28/2026

Leadership Builds Culture

"Distance doesn't destroy culture. Leadership does." 💬

Kyle Draper took the stage at AMSA 26 to challenge one of the biggest myths in business: remote teams aren't the problem—unclear leadership is.

His formula is simple but powerful: clarity + accountability = trust. When expectations are clear, accountability becomes natural, trust grows stronger, and your team can perform at a higher level—whether they're in the office or across the world.

The best cultures aren't built by proximity. They're built by leaders who create clarity every single day. 🚀

Ready to build a stronger business through better leadership and smarter growth strategies? Learn more at **https://amsmtg.com/**

Follow and for more expert mortgage insights and market updates! 👇

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/27/2026

NON-QM LOANS: IF YOU DON’T KNOW IT, LEARN IT

You don’t have to know every loan program today—but you do need to be willing to learn. 💡

At AMSA Expo, Allen Middleman, Brian Devlin, and Mike McCarthy highlighted the opportunities waiting for loan officers who expand their knowledge of non-QM lending, bank statement loans, and DSCR loans.

Many loan officers already work with self-employed borrowers and real estate investors. Understanding what a non-QM mortgage is, exploring bank statement loan options, and learning how DSCR loans work can help you serve more clients and discover financing solutions beyond traditional lending.

The best part? You don’t have to figure it all out alone. Wholesale lending partners can help you learn, ask questions, and grow your expertise. 🚀

Ready to explore more mortgage solutions and strengthen your lending knowledge? Learn more at https://amsmtg.com/

Follow for more expert mortgage insights and market updates! 👇

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/27/2026

Know Your Worth: Stop Discounting Your Value

“Once you start believing your worth, other people start buying your worth.” 💬

At AMSA 26, Jessica Nelson took the stage to deliver a powerful message about real estate networking, professional confidence, and commission conversations.

Too often, real estate professionals invest their time, knowledge, and expertise into helping clients achieve their goals, only to face pressure to lower their commissions. Jessica reminds us that knowing your value starts with believing in the service you provide. When you confidently communicate your worth, you help clients understand the value behind your work. 💡

Ready to grow your business and strengthen your professional network? Learn more about AMS Mortgage Services at https://amsmtg.com/

Follow and for more mortgage industry insights and professional growth strategies! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/26/2026

Your Competitors Can Make You Better | Rob Pieklo

“Competition is great. Collaboration makes the entire industry stronger.” 💡

Rob Pieklo shares why mortgage industry insights and open conversations with competitors can help businesses grow. Instead of putting on blinders, he encourages mortgage professionals to understand the competition, learn from different companies, and find ways to compete while collaborating.

🔹 Know your competition: Understand market strategies, pricing, and how others compete for loans.

🔹 Stay open-minded: Learn from other companies and their approaches to wholesale lending.

🔹 Grow together: Stronger collaboration creates more opportunities for the entire wholesale channel. 🤝

Ready to strengthen your business strategy and explore the benefits of wholesale lending? Visit https://amsmtg.com/ to learn more about AMS Mortgage Services.

Follow and for more expert mortgage insights and industry conversations! 👇

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

10/26/2026

At AMSA 26, Vic Melillo shared why understanding a client's credit score early can save time, build trust, and help loan officers identify the right path to homeownership.

🔹 Know the numbers early: Understand a client's mortgage credit scores before investing time in the home search.

🔹 Explore the right programs: Compare mortgage options based on each borrower's financial situation and readiness.

🔹 Prepare clients for success: My Mortgage Score helps consumers access their mortgage credit information, including classic FICO scores and the VantageScore 4.0 model.

The takeaway? Not every borrower is ready today, but the right guidance can help them prepare for tomorrow. 💡

Ready to explore mortgage solutions for your clients? Visit https://amsmtg.com/ to learn more.

Follow and .melillo for more expert mortgage insights and industry updates! 👇

Connect with AMS Mortgage Services:

Website: https://amsmtg.com/

YouTube: https://www.youtube.com/

Instagram: https://www.instagram.com/ams_mortgage/

Facebook: https://www.facebook.com/AMSMortgage

LinkedIn: https://www.linkedin.com/company/ams-mortgage-services/home/

Address

375 Chestnut Street
Newark, NJ
07105

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.amsmtg.com/

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