Todd Koplin- Mortgage Professional

Todd Koplin- Mortgage Professional Established in 1992 AMS Mortgage Services, Inc. is a full service mortgage broker company helping homeowners with all of their lending needs.

Welcome to my page. As a mortgage broker I make sure to provide each and every customer with more than just a great rate. As a homeowner or potential homeowner I believe that you deserve nothing but complete customer satisfaction before, during and after you obtain your loan. In my many years of being in the mortgage industry I have learned a great deal. I attribute my success to being in

volved on many sides of the industry which enable me to have a true understanding as to what it will actually take to close the loan. My job is to educate my customers and ensure that their mortgage experience is only that of a positive one. If you are considering mortgage financing I would love the opportunity to speak with you and earn your business. Thank you and I look forward to the opportunity to work with you. Todd R Koplin
NMLS #1311994

AMS Mortgage services, Inc.
375 Chestnut Street, 3C
Newark, NJ 07105
NMLS # 20843

© 1992-2014 AMS Mortgage Services, Inc. All rights reserved. For more information, call 973-276-1226. NOT AFFILIATED WITH AMS MORTGAGE SERVICING, we are a mortgage origination company and do not service, collect or modify mortgage loans.
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Licensed by PA Department of Banking as a Mortgage Broker, licensed by NJDOBI as correspondent residential mortgage lender, registered mortgage broker NY State Department of Banking (financing arranged by 3rd parties). Licensed under California Department of Business Oversight, Broker's License under California Finance lenders law. NMLS #20843

This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Stay tuned for some great mortgage related posts. I will be doing once weekly short educational videos. And as always pl...
09/19/2022

Stay tuned for some great mortgage related posts. I will be doing once weekly short educational videos. And as always please call me should you seek any guidance.

12/13/2021

In many cases your homes value may have increased. Before rates rise, have you considered using the potential equity in your home to do a cash out refi? Use this money to pay off high interest rate credit cards, do some home improvements or maybe make a personal investment. Money is cheap right now. The question is how can you make it work for you. Call me 7 days a week for a free home loan consultation.

12/11/2021

Many consumers are not aware of what dictates a proper credit report when it comes to obtaining a mortgage. Unfortunately 3rd party services like Credit Karma are not what the mortgage lenders will use, for a multitude of reasons. Therefore no matter whom it is that you choose to apply for a home loan with that person, if doing their job correctly will always need to do a credit pull. If your considering purchasing or refinancing give me a call and I will provide you with an accurate credit report free of charge and will not even appear as an inquiry.

Man I love getting these emails. Some in my industry treat a client as simply another deal or commission. I take it very...
07/28/2021

Man I love getting these emails. Some in my industry treat a client as simply another deal or commission. I take it very personally and treat each client as a personal relationship before, during and after the loan has closed. You have options when it comes to ensuring that you are not only getting the best loan, but making sure that who you are working with truly cares about you. I'm available 7 days a week. And thanks Andrew Lopez for once again trusting me with another one of your clients.

07/27/2021

If you have not considered a mortgage refinance in the past 12 months you may want to. Rates are still historically low and chances are you may be eligible for a lower rate or may be able to eliminate paying mortgage insurance. My guarantee. If I cannot beat the rate you are being quoted then I will match it and I will pay for your appraisal, if one is required. Contact me 7 days a week.

Gives me no greater pleasure then to hep each and every client I work with.
04/08/2021

Gives me no greater pleasure then to hep each and every client I work with.

06/03/2020

Loan submitted to lender Thursday evening. Full UW approval back today. That's what happens when you submit a clean file and work with lenders who know what they are doing. Forget waiting 10 days for an approval. Cannot have it.... Speedy closings, great pricing is what is about. That's what my clients get.

04/13/2020

Realtors / MLO / Consumers

A good Broker can do what Bankers can’t in tough times like these.
Today Chase has come forward and stated that their non CRA mortgage program will have a minimum requirement 20% down and 700 fico score. I expect the major banks to follow. This means if you make more money than the HUD median average for your area and yet you have an average credit score (680) or average down payment (10%) then Chase will not lend to you.
This is not surprising, I notice a local mortgage banker this weekend state they do loans down to a 620 credit score.
I just spoke to a realtor who said FHA changed their guidelines and now will not do any loan under 680 fico score!!!!!
FHA HASN’T CHANGED ANY GUIDELINE IN REGARDS TO FICO. THIS IS A LENDER OVERLAY. Your lenders overlay.

DM me to discuss other things we can do that your lender can't

04/02/2020

Realtors, Consumers, Mortgage Loan Officers

If your current mortgage company has changed their FHA loan criteria, it is time for you to find a new mortgage company. We are still closing the same loans we closed 2 months ago... with no changes in sight. Ams has been in business since 1992, we know how to close loans in tough times.

And yes, We are Hiring

03/28/2020

**** PLEASE READ****
****Covid 19 Mortgage Update****
Fannie Mae and Freddie Mac plans to initiate a mortgage forbearance program which I think is a good thing for consumer directly affected by the Corona Virus.
As the above is being worked on all Mortgage Lenders are changing there model on how they will be doing mortgages , most lenders have discontinued Non Qm loans and even some jumbo loans, lenders have also increased credit score qualifications , some lenders are not lending fha to buyers with 660 credit scores below and if they do they must demonstrate the following 2 months reserves 5 years on job and a debt to income ratio no more than 45% the normal is 56.99 other lenders are going above the 45% but charging the consumer 50 bps which will increase there interest rate . These are just some of the changes that are taking place .

ALL BUYERS WITH LOAN APPLICATIONS PLEASE CHECK WITH YOUR CURRENT LENDER TO MAKE SURE THERE ARE NO CHANGES TO YOUR MORTGAGE .

REALTORS HAVE YOUR PRE-APPROVED BUYERS GET RE APPROVED FOR A MORTGAGE .

AMS IS ALWAYS HERE ANY BORROWERS OR REALTORS WHO NEED ANY ASSISTANCE PLEASE FEEL FREE TO REACH OUT 24-7.

EVERYONE PLEASE BE SAFE

Address

San Diego, CA
92101

Telephone

+16195009300

Website

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