Joe Daleo

VP Of Mortgage Lending

NMLS 286430

201-245-0047

joe@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

Joe Daleo

NMLS: 286430

201-245-0047

joe@amsmtg.com

375 Chestnut St Newark, NJ 07105 NMLS # 268393

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 Joe

Meet Joe Daleo, your friendly neighborhood VP of Lending at AMS Mortgage Services.



From the moment he dove headfirst into the mortgage world, Joe brought an unstoppable drive to help each client succeed. As the youngest of six, he learned early on how to make an impact—and he’s carried that determination into every loan he handles.



As your dedicated loan officer, Joe stands apart with his honest, transparent approach. He ensures you’re never left in the dark, guiding you through complex financing options with clear, open communication. To Joe, obtaining a mortgage isn’t a mere transaction; it’s a milestone on the journey to achieving your dreams.



He listens carefully to your story, tailors solutions to your needs, and negotiates fiercely to secure the best possible deal. When he’s off the clock, you’ll find Joe strumming his guitar, exploring the latest tech, or discovering the next innovation to add value for his customers.



With Joe, it’s more than business—it’s about building strong relationships and making your path to homeownership both rewarding and memorable.

201-245-0047

joe@amsmtg.com

Mortgage Calculator
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.

Monthly Payment Breakdown

Principal & Interest: $0.00

Property Taxes: $0.00

Home Insurance: $0.00

Mortgage Insurance: $0.00


Total Monthly Payment: $0.00

These estimates are for illustration only and are not guaranteed. Actual payments may vary.

About Joe

Meet Joe Daleo, your friendly neighborhood VP of Lending at AMS Mortgage Services.



From the moment he dove headfirst into the mortgage world, Joe brought an unstoppable drive to help each client succeed. As the youngest of six, he learned early on how to make an impact—and he’s carried that determination into every loan he handles.



As your dedicated loan officer, Joe stands apart with his honest, transparent approach. He ensures you’re never left in the dark, guiding you through complex financing options with clear, open communication. To Joe, obtaining a mortgage isn’t a mere transaction; it’s a milestone on the journey to achieving your dreams.



He listens carefully to your story, tailors solutions to your needs, and negotiates fiercely to secure the best possible deal. When he’s off the clock, you’ll find Joe strumming his guitar, exploring the latest tech, or discovering the next innovation to add value for his customers.



With Joe, it’s more than business—it’s about building strong relationships and making your path to homeownership both rewarding and memorable.

201-245-0047

joe@amsmtg.com

Specialization Section

We Specialize In

Pre-Approval

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

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

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.