973-277-0746
Ray Carrera
Mortgage Loan Originator
NMLS 63823
973-277-0746
ray@amsmtg.com
Trust is the foundation of any great financial decision, especially when it comes to mortgages. With AMS Mortgage by your side, you'll not only save time and money but also enjoy an stress-free journey to homeownership. Let's work together to make your dream home a reality.
See what MORTGAGe programs you qualify for
Ray Carrera
NMLS 63823
973-277-0746
ray@amsmtg.com
From First Time Home Buyers to 2nd Homes, To Investment Properties – your journey begins here
Whether you're aiming for a lower rate, accessing cash, or exploring a home equity loan, kick off your refinancing journey right here
ABOUT Ray
As a seasoned mortgage loan officer with a passion for helping individuals and families achieve their homeownership dreams, I bring a wealth of expertise and a customer-centric approach to every client interaction. With a solid track record of 25 years in the mortgage industry, I am committed to guiding my clients through the complex process of obtaining financing for their dream homes while ensuring they feel confident and well-informed every step of the way.
973-277-0746
ray@amsmtg.com
Schedule your free consultation today and get expert insights to simplify your path to homeownership!
WE SPECIALIZE IN
FAST Pre-Approvals
At AMS Mortgage , our journey with you begins with a personalized discovery process
We take the time to understand you, your aspirations, and your unique home buying requirements.
Our team is dedicated to guiding you through a mortgage process that's customized just for you, ensuring that you find the perfect match for your new home
First time Homebuyers
Ready to make the leap from renter to homeowner?
You're in the right place! At AMS Mortgage, we specialize in making first-time home=buying a breeze. Our team has the low-down on everything from loan programs that best suit your needs, to down payment assistance programs that can give your home-buying journey a turbo boost.
We're not just mortgage brokers; we're your one-stop shop for landing that dream home, all while keeping your stress levels at an all-time low.
communication
Our top priority is ensuring you're well-informed before, during, and after the loan process
AMS Mortgage's automated systems and Concierge Mortgage Program take the guesswork out of your loan application process
You'll always be in the loop, enjoying a seamless and unparalleled experience that sets us apart in the industry
© 1992-2023 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.
AMS Mortgage Services is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.
Privacy Note
Licensed by PA Department of Banking as a Mortgage Broker, licensed by NJDOBI as correspondent residential mortgage lender (AMS acts a mortgage broker and as such can not issue a mortgage loan commitment nor can we fund any loans under any advertised program. Also as a mortgage broker in NJ AMS arranges mortgage loans through third party affiliates). This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site. 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.