JahnLends is a mortgage broker team based at 301a Amboy Avenue in Woodbridge, NJ. We're the Woodbridge branch of AMS Mortgage Services (NMLS# 145742), led by branch manager Jahn Beckler, and our team has been helping buyers and homeowners in Woodbridge Township and across New Jersey for 25+ years. One application lets us shop your loan with dozens of wholesale lenders, not just one bank's menu.
What does a mortgage broker in Woodbridge actually do?
A bank can only offer its own loans. A mortgage broker works with many lenders. We take one application from you, then compare your file across dozens of wholesale lenders to find the one whose rates, fees and guidelines fit you best. That matters most when your situation isn't simple: you're self-employed, your credit has a few bumps, you're buying a condo, or another lender already said no.
You still get one point of contact the whole way. You don't deal with a call center. You talk to a loan officer on our team here in Woodbridge.
Who we work with in Woodbridge Township
Woodbridge is New Jersey's oldest township and one of the largest in Middlesex County. It's made up of several neighborhoods: Woodbridge proper, Iselin, Avenel, Colonia, Fords, Hopelawn, Keasbey, Port Reading and Sewaren. Each has its own mix of homes, from single-family houses to condos and townhomes. With the Metropark station in Iselin and NJ Transit stops in Woodbridge and Avenel, a lot of our clients commute to New York or Newark.
The people we help most often:
- First-time buyers who want to know exactly what they can afford before they start touring homes.
- Move-up buyers who are selling one home and buying another at the same time.
- Self-employed borrowers whose tax returns don't show what they really earn.
- Homeowners who want to refinance, lower their payment or take cash out for a renovation.
- Buyers who were turned down by another lender and want a second look at their file.
Loan programs we offer
Because we shop many lenders, we can offer more programs than a single bank:
- Conventional loans
- FHA loans (lower down payment and more flexible credit guidelines)
- VA loans for veterans and active-duty service members
- Jumbo loans for higher-priced homes
- USDA loans in eligible areas
- Construction loans
- HELOCs and cash-out refinances
- Bank statement and other alternative-documentation loans for self-employed borrowers
- Down payment assistance, including NJHMFA programs for eligible New Jersey buyers
Not sure which one fits? That's our job. See all loan programs, or read how NJHMFA down payment assistance works with an FHA loan.
Mortgage broker vs. bank: which is better for Woodbridge buyers?
It depends on your file. If you have strong credit, W-2 income and a big down payment, a bank may be fine. If anything about your situation is unusual, a broker gives you more options because we aren't limited to one lender's rules. Wholesale lenders also don't carry the cost of retail branches, which can show up in your pricing. The only way to know for sure is to compare real Loan Estimates side by side, and we'll show you ours. More on this in how a mortgage broker saves you money.
How it works
- Talk to us. Call (732) 754-7474 or start online. We'll ask about your goals, income and timeline.
- Get pre-approved. We review your credit and documents and tell you what you can afford.
- We shop your loan. We compare lenders and walk you through your options.
- Underwriting to closing. We stay on the file with you, your agent and your attorney until you get the keys.
The full step-by-step is on our process page.
Frequently asked questions
Is JahnLends a lender or a broker?
JahnLends is the team brand of the Woodbridge, NJ branch of AMS Mortgage Services, a licensed mortgage broker (NMLS# 145742). We work with dozens of wholesale lenders to find the right loan for each borrower.
Where is the JahnLends office?
301a Amboy Avenue, Woodbridge, NJ 07095. You can reach us at (732) 754-7474, seven days a week.
Do you only work with buyers in Woodbridge?
No. Woodbridge is home base, and we help borrowers across New Jersey. AMS Mortgage is also licensed in New York, Pennsylvania, Connecticut, Florida, Georgia, North Carolina, Texas and California.
Can you help if another lender denied me?
Often, yes. A denial from one lender doesn't mean every lender will say no. We start by reading why you were denied, then look for a lender whose guidelines fit your file. Read what we do after a denial.
How long does pre-approval take?
It depends on how quickly you can send your documents. Once we have them, we'll tell you where you stand and what you can afford.
Talk to a Woodbridge mortgage broker
Call (732) 754-7474, email jbeckler@amsmtg.com, or start your pre-approval online. Want to know who you'll be working with? Meet the team.
JahnLends is the Woodbridge, NJ branch of AMS Mortgage Services, NMLS# 145742. Equal Housing Opportunity. For information purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Other restrictions may apply.