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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.