Underwriting Approved Certificate This new program is the highest level of approval a buyer/borrower can obtain without yet choosing a property. Our experienced Loan Officer will open a loan file, assign a loan number, take the application, gather the buyers’ income documents, bank/investment statements and credit report, submit the file for automated underwriting and have a live underwriter approve the loan subject to title and appraisal if required at all.

You cannot get more approved than “Underwriting Approved!” This lets the Seller’s Agent/Broker know the buyer is the real deal and is “Underwriting Approved.”

You Have Dreams,
We Have the Solutions

Use one of our quick & easy tools to find out what you qualify for!

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“I had a great experience with MMS Mortgage Services. I was kept in the loop during the process and everything moved quickly and flawlessly. Would definitely recommend”

Trusted Farmington Hills Mortgage Company

Welcome to

Member Mortgage Services

Serving the lending needs of credit unions, financial institutions, real estate professionals, and individual homebuyers in states throughout the country.

Buying a home or refinancing starts with finding the ideal mortgage, and that starts with connecting with the right mortgage company.

Member Mortgage Services (MMS) is a licensed mortgage lender in Michigan and beyond. Whatever your mortgage needs, MMS can walk you rapidly through the mortgage process.

With more than 30 years of experience, we are ready to work through any obstacle to get you the keys to your new home.

That is how we earned our motto, “You have dreams, we have the solutions.”

Find the Type of Loan That
You Need Fast

Conventional

FHA

VA

Jumbo

USDA

First Time Home Buyer

Construction Loans

Vacation Home

MHSDA
(Michigan Housing Authority)

Reverse Mortgage

MMS Makes It Easy to Buy a Home or Refinance

MMS Mortgage Services, Ltd. has been operating as a full service mortgage banker since 1987, providing and servicing loans throughout the country.

Here are a few reasons to work with us:

We offer a broad range of mortgage products, including FHA, VA, USDA, conventional, jumbo, and more. That means that whatever your needs, we can match you with a loan that will help you buy a home or refinance affordably and conveniently.

We can connect you with competitive mortgage loans to fit your needs. Member Mortgage Services has the ability and desire to be your mortgage provider now and over the life of your loan.

We update you continuously during the mortgage application process so you know the status of your application and what, if anything, we need from you to take the next step.

Have questions about the mortgage process? Our experts answer every question thoroughly and patiently. We want you to embark on your journey to becoming a homeowner with full confidence.

The relationship we build with our clients is one that lasts a lifetime. We will make sure that your mortgage meets your needs at every stage, including if there is a change in your plans later down the line.

Looking to Make a Payment?

MMS not only originates loans, but services them as well.

Is your loan currently being serviced by MMS? If you want to view your account balance and payment history or make a payment, just click on the buttons below.

If you have forgotten your password, please use the recover username/password page.

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Your FREE Guide to
REFINANCING or BUYING A HOME

Home Buying Checklist Refinance Checklist

See What Our Clients Are Saying About Us

MMS Mortgage Services, Ltd.

4.7

Based on 111 reviews

See all reviews Write a review

Mark Howson

16:32 25 Aug 22

MMS had a better rate then any other company we talked to. Chris and Jamie were amazing. They were responsive and helpful through out the whole mortgage process. We were able to close earlier then expected with their help. Definitely recommend.

Jennifer Harbor

18:00 31 May 22

Keith Bartlett

19:36 26 May 22

Paul was great with managing our refi. The process was easy and did 98% from home. Great job.

John McGreevy

21:50 11 May 22

Chris Pugh and his team at Member Mortgage Service were wonderful in helping with the refinance of our family home. He was pleasant and professional. His help made the whole process run smoothly. Chris did a great job answering my many questions Communicating with Chris and Jaime Linz was one of the highlights of this experience.The team responded quickly to my many concerns. I highly recommend Chris Pugh and his MMS team mates.

Lori Potter

21:17 03 May 22

MMS was amazing with our service. They would return calls and emails in short order. They were very patient with all of our questions. They worked really fast to process all the paperwork. They were kind and compassionate. Can't say enough good things about Joanne and her team!!!!

Steph O.

15:12 30 Apr 22

Well where to start.... Best people to work with it is my pleasure to say Greatest experience in them doing everything to make sure I had everything to get in my forever home. Thank you Joanne and Jordan.

Chris Helder

20:06 29 Apr 22

Dominique Adams

12:18 26 Apr 22

JoAnn was so helpful with every step in purchasing my first home. She was supportive and answered every question I had!

Shannan Graham

20:08 22 Apr 22

Excellent communication through the processing stages of our refinance. Highly recommend!

Mary Lynn Williams

16:49 19 Apr 22

It was great to have my interest rate lowered. Mr. Boudreau was very helpful.

John Giordano

17:07 28 Mar 22

Jefferson Romero

18:18 18 Feb 22

John Paquette

14:05 15 Feb 22

From the 1st time I meet Chris just to ask a question till the finalizing of our mortgage , I felt we were in good hands best decision we made . thank Chris for his help

Coleman James

14:04 01 Feb 22

JoAnn and Jordan know how to get things done in a competent and excellent manner. They even accommodated us while we were vacationing in Florida as we were able close down there without a hitch. I highly recommend their services.

Christine Brimer

08:59 28 Dec 21

Joann and Jordan are great to work with and make the mortgage process very easy. Questions are answered promptly and the closing process was complete in less than 3 weeks. My original mortgage and now my refi went so smooth that I would highly recommend Member Mortgage Services to all my friends and family.

Angie Valchine

17:34 29 Nov 21

Our family's first mortgage was with MMS Mortgage Services over 25 years ago and then we took a different path because of a family members association with the banking industry. We are happy to say, we have returned to MMS and our refinancing process went smoothly and quickly! We want to thank Christopher and Jamie for all you did to help us to return our mortgage to MMS!!

Gary Mack

00:47 23 Nov 21

They made the process very easy for us. We highly recommend you check them out!

autumn johnston

17:21 22 Nov 21

D&J Drown

19:13 05 Nov 21

Joann and her team at MMS Mortgage Services made it easy from start to finish. Fast, helpful and always available to answer questions. Thanks again! You're the best!

Jane Sauchak

13:32 23 Oct 21

I moved from out of state. That presented several problems. All my previous closing papers were packed! Chris made me feel at ease, as he explained he could get the information through other sources. He walked me through the process smoothly and efficiently. Closing was right on schedule.

Melissa George

10:59 23 Oct 21

Professional, productive and knowledgeable are just a few words I would use to describe my experience with them. Highly recomend, you won't be disappointed!

Beth Portincasa

22:02 22 Oct 21

Everyone involved made the process so easy on us. Thank you MMS Mortgage.

Kevin Nicotera

21:58 22 Oct 21

Lou did a fantastic job at making sure our mortgage loan was handled quickly and effectively. When we needed help, he provided sound advice and walked us through every option available. I cannot recommend him enough!

Diana Linsey

19:16 11 Oct 21

I was able to get my mortgage at a lower rate and bundled some of my bills! Because Nick Santy led me through this process, I am able to manage my money in a more efficient manner! Nick kept me well informed and didn’t hesitate to call me with questions and encouraged me to do the same! Thank you!

Corey Buddy

19:18 27 Sep 21

We had a great experience with MMS Mortgage Services, Ltd. From application to closing, our loan officer made the process so simple and hassle free. JoAnn was always quick to return our calls and answer our questions. We highly recommend MMS Mortgage Services, Ltd to anyone who is looking to take out a home loan or refinance an existing loan. We will continue to do business with them.

RON HOLDER

18:37 27 Sep 21

MMS has now assisted us with 2 home financings and has always been available, responsive and client oriented. We had started a process of a refi and MMS really stepped up the make sure we got the best rate possible and closed in record time

Diane Compton

19:30 21 Sep 21

Robin Tarter

01:05 18 Sep 21

Excellent experience! Highly recommend! Attention to detail was superior.

Keith Tarter

08:31 14 Sep 21

Lou was amazing. The rate was great, and the process was very easy and quick. I would highly recommend using Member Mortgage Services.

Stephanie Nolan

00:02 14 Sep 21

Top-Rated Mortgage Lender in Farmington Hills, Michigan

MMS Mortgage Services, Ltd. is located on 38275 W 12 Mile Rd #100, Farmington Hills, MI. From Bishop International Airport (FNT) get on I-75 S in Flint from W Bristol Rd. Then head south on Airport St, and continue onto Bishop International Airport. Next continue straight to stay on Bishop International Airport, and turn right onto W Bristol Rd. After that use the right lane to take the ramp to Detroit/Ann Arbor. Follow US-23 S and I-96 E to W 12 Mile Rd in Novi. Take exit 164 from I-275 S/I-96 E. At this point merge onto I-75 S, and keep right at the fork to continue on US-23 S, follow signs for Ann Arbor. Then take exit 60A on the left to merge onto I-96 E toward Detroit, and keep right at the fork to continue on I-275 S/I-96 E, follow signs for Detroit/Toledo. Finally, take exit 164 for 12 Mile Rd. Take exit 164 for 12 Mile Rd, and MMS Mortgage Services, Ltd. will be on the right.

We're open: Monday - Friday 9:00 AM - 7:00 PM EST, Saturday : 10:00 AM - 3:00 PM EST

The Servicing Department is available to process loan payments M-F 9:00 am to 5:00 pm EST

For additional questions you can call us at (248) 788-0800 or find us on Yelp

Apply Now for a
Mortgage Loan

Please call us today at (248) 788-0800 or toll free at (800) 945-4506 then press 2, to schedule your free consultation. Let’s get you into your new home.

Buy a Home Refinance

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MMS Mortgage Services, Ltd.
38275 W 12 Mile Rd #100
Farmington Hills, MI 48331
(248) 788-0800
(800) 945-4506 (Toll Free)
Find us on Google

NMLS ID: 131062

You cannot get more approved than “Underwriting Approved!” This lets the Seller’s Agent/Broker know the buyer is the real deal and is “Underwriting Approved.”

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MMS Mortgage Services, Ltd. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. MMS Mortgage Services, Ltd. is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.

You Have Dreams,We Have the Solutions