908-242-2570
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
Gustavo Espinosa
NMLS: 234266
908-242-2570
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 Gustavo
With a career spanning four decades, Gustavo Espinosa is your go-to expert in the mortgage and real estate game. Rooted in real-world experience, he's navigated all sorts of markets and weathered countless financial storms. Whether you're a first-time homebuyer or a seasoned investor, Gustavo offers 1st and 2nd mortgage products tailored to meet diverse needs. More Than Just Numbers When Gustavo isn't sealing deals, he's living the family dream with his better half, Patricia, their four wonderful kids, and a mischievous feline companion. They're on a family quest to visit all NFL stadiums—four down, many more to go. A die-hard Yankee fan, Gustavo also passionately follows soccer leagues from MLS to the World Cup. Reach out today and let Gustavo guide you through the rough waters of real estate and mortgages, steering you to the home of your dreams
908-242-2570
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About Gustavo
With a career spanning four decades, Gustavo Espinosa is your go-to expert in the mortgage and real estate game. Rooted in real-world experience, he's navigated all sorts of markets and weathered countless financial storms. Whether you're a first-time homebuyer or a seasoned investor, Gustavo offers 1st and 2nd mortgage products tailored to meet diverse needs. More Than Just Numbers When Gustavo isn't sealing deals, he's living the family dream with his better half, Patricia, their four wonderful kids, and a mischievous feline companion. They're on a family quest to visit all NFL stadiums—four down, many more to go. A die-hard Yankee fan, Gustavo also passionately follows soccer leagues from MLS to the World Cup. Reach out today and let Gustavo guide you through the rough waters of real estate and mortgages, steering you to the home of your dreams
908-242-2570
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.