I want to thank you in advance for your critcisms. My main question is there too much adsense? http://www.amer-mortgage.com
What you can do for the ad unit on the bottom is use a dark background color and white font colors in your unit, it'll fit in with the layout more.. like it's part of the design.
Adsense overdose on all pages, ugly stats counter (misaligned), should make more use of H1, H2 etc and bold text - for user presentation and of course SEO.