973-277-0746
Ray Carrera
Mortgage Loan Originator
NMLS 63823
973-277-0746
ray@amsmtg.com
At AMS Mortgage Services, trust is more than a promise—it's a tradition we've upheld for over 32 years.
Backed by decades of expertise, we are dedicated to simplifying the mortgage process and tailoring solutions to meet your unique needs. Whether you're a first-time homebuyer or looking to refinance, we're here to help you navigate every decision with confidence.
See what MORTGAGe programs you qualify for
Ray Carrera
NMLS: 63823
973-277-0746
ray@amsmtg.com
1000 Clifton Ave, Clifton, NJ 07013
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
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Quickly estimate your monthly mortgage payment—including property taxes, homeowners insurance, and mortgage insurance—to give you the full picture.
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
We Specialize In
Fast Pre-Approvals
At AMS Mortgage, our journey with you begins with a personalized discovery process. Our team is dedicated to guiding you through a mortgage process customized just for you.
First Time Homebuyers
We specialize in making first-time home buying a breeze. From loan programs to down payment assistance, we make the journey to home ownership stress-free.
Communication
Our top priority is keeping you well-informed during the loan process. Our Concierge Mortgage Program ensures a seamless experience.
© 1992-2025 AMS Mortgage Services, Inc. NMLS#20843. 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.