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AAFMAA Mortgage Services LLC (AMS) Announces Opening of New Branch in Addison, TX


AAFMAA Mortgage Services LLC (AMS) opens its first Texas branch office as part of an effort to establish a broader footprint in the state, connect with community partners and offer local military families and Veterans informed and dedicated mortgage services. 

ADDISON, TEXAS, May 17, 2021 – AAFMAA Mortgage Services LLC (AMS), a wholly-owned subsidiary of the American Armed Forces Mutual Aid Association (AAFMAA), the longest-standing not-for-profit member-owned association dedicated to serving the military community, is announcing the opening of a new branch location in Addison, TX. The new branch is located at 15851 Dallas Parkway, Suite 350, Addison, TX 75001. The mortgage team there can be reached at (972) 707-1149 or AddisonAMS@aafmaa.com

AMS currently offers servicemembers and Veterans low-rate and low-cost mortgages to build, buy, or refinance a home in 28 states. AMS is now licensed in Texas and, with the opening of the Dallas-Fort Worth (DFW) area branch located in Addison, TX, AMS is making products and services available to all qualified military residents and opening the door for expansion within the state through new branch locations and local team growth. 

“We look forward to helping Texas servicemembers and Veterans on their journey to home ownership or other mortgage financing needs,” said Phill Cobb, AMS Branch Manager of the Addison office. “We pride ourselves on our dedication to ensuring servicemembers, Veterans, and their families living in any community we serve have a clear understanding of the mortgage process. We look forward to establishing a deep-rooted relationship within the local community directly and the State of Texas in general to help make servicemembers, Veterans, and families feel at home.”

Roughly 6.8% of the population of Texas consists of military Veterans and Texas is home to 18 active-duty military installations, including some of the largest military bases in the U.S., such as Fort Hood and Fort Bliss. The AMS Dallas-Fort Worth area branch in Addison is located near Naval Air Station Joint Reserve Base in Fort Worth, home to nearly 10,000 active-duty military personnel, an estimated 145,000 retirees and more than 10,000 military family members.

About AAFMAA Mortgage Services LLC (AMS)

AAFMAA Mortgages Services LLC (AMS) is a wholly-owned subsidiary of AAFMAA, the longest-standing not-for-profit, member-owned association of military families, exclusively providing servicemembers and Veterans with low-rate and low-cost mortgages to build, buy, or refinance a home. AMS is available for the financing of residential property in the states listed on our Legal & Licensing page, which also contains a special notice for Texas. All loans are subject to credit approval and other criteria. Our Military Mortgage Advisors are licensed Mortgage Loan Originators, also known as Loan Officers. Physical address: 1 Copley Pkwy, Suite 420, Morrisville, NC 27560. Lender NMLS: 1423968, https://www.nmlsconsumeraccess.org/, Equal Housing Lender, Veteran Affairs (VA) approved lender # 668521-00-00; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. Follow AMS on Twitter, Facebook and LinkedIn.


The American Armed Forces Mutual Aid Association (AAFMAA) is the longest-standing not-for-profit financial solutions provider that empowers the military community with affordable financial solutions — including always-affordable life insurance, expert investment management, and customized residential mortgages. Follow AAFMAA on Twitter, Facebook and LinkedIn.

Media contact:

FischTank PR

Erin Hadden


Common Questions

Yes, your AAFMAA policy will cover a death related to COVID-19 if you are an existing AAFMAA Member with a policy issued more than two years ago or prior to a COVID-19 diagnosis, even within the first two years the policy is owned. The only exclusion on AAFMAA policies is death by suicide within the first two years.

However it is important to note that death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Contestable death claims are reviewed and subject to denial if we find undisclosed material information that would have changed the outcome of the policy issuance decision.

Yes, if you are applying for a policy that requires medical underwriting, you must disclose a positive COVID-19 diagnosis. Not doing so would be considered material misrepresentation and could result in your policy being voided.

As mentioned above, death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Additionally, you don’t have to die for a material misrepresentation to void your contract. The policy can be voided at any point within the first two years if AAFMAA finds that you provided incorrect information about your health history and that the correct information would have prevented us from issuing the policy.

If you were diagnosed with having contracted COVID-19 prior to applying for life insurance and you failed to disclose that diagnosis on your application, your death claim could be denied. This is because, if you had disclosed your COVID-19 diagnosis, we would have followed current industry guidelines and possibly postponed acceptance of your application. In this case, your policy would be voided and your survivors would only receive a refund of the premiums you had paid.

No, the COVID-19 vaccine is classified as a typical wellness check, for which we do not require disclosures and do not deny death claims. We strongly suggest that our Members follow CDC recommendations and receive the COVID-19 vaccination as soon as they are eligible.

Industry guidelines indicate that a COVID-19 diagnosis may postpone acceptance of your application for a period of three weeks to 1 year following recovery, depending on the severity of symptoms and treatment. This timeline is subject to change as new information becomes available and industry guidelines are adjusted accordingly. Those who experience a full recovery may be considered for issue before 12 months, while serious cases (such as those which required a ventilator) may be postponed for longer.

No. Receiving a COVID-19 vaccination will not affect the acceptance of your application.

No, AAFMAA cannot change your premiums or your health classification on a policy you currently hold. Your premiums and health classification will remain the same, even if you have been diagnosed with COVID-19 or you are at a higher risk of exposure due to your job, living situation, or recent travel, or if you get one of the COVID-19 vaccinations approved for emergency use by the USFDA.