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.”

About MMS Mortgage Services

Welcome to MMS Mortgage Services, Ltd. We are a full service mortgage banker based in Farmington Hills, Michigan.

We are headquartered in Farmington Hills, Michigan. Write and service loans throughout the Country.


Our Team

Meet the dedicated professionals who will be working with you on your mortgage.


Christopher Pugh - MLO

Christopher Pugh - MLO

NMLS#: 1188326

Jordan Boon - MLO

Jordan Boon - MLO

NMLS#: 1853096

JoAnn Pugh - MLO

JoAnn Pugh - MLO

NMLS#: 168895

Paul Verkerke - MLO

Paul Verkerke - MLO

NMLS#: 161769

Jeff Zanni - MLO

Jeff Zanni - MLO

NMLS#: 33802

Nick Santy - MLO

Nick Santy - MLO

NMLS#: 2076525

Why Choose Us for Your Mortgage Needs?

With over 30 years of experience, we have solutions for just about every scenario that you might encounter when applying for a mortgage. We are up to any challenge, and will not rest until we have matched you with the right home loan.

Not only will we write the loan, we have the ability to service the loan and be your mortgage resource for life. We will continue to support you over the lifetime of your mortgage in every way we can.

What We Do

We have been servicing the lending needs of credit unions, community banks, financial institutions, real estate professionals and general consumers since 1987. We are currently licensed to lend in Alabama, Colorado, Connecticut, Florida, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Rhode Island, and Tennessee.

We are a Freddie Mac seller servicer, an FHA direct endorsed lender, a USDA endorsed lender, and a VA endorsed lender.

MMS Mortgage Service Areas

Apply Now for a Mortgage

Are you ready to buy a home or refinance with a dedicated mortgage company on your side? MMS Mortgage Services, Ltd. can’t wait to help you find a suitable home loan. To schedule your free consult now, please give us a call today at (248) 788-0800 or toll free at (800) 945-4506 then press 2.

See What Our Clients Are Saying About Us

Terry Graeb
Terry Graeb
15:09 31 Aug 23
Excellent service from both Christopher P. and Jamie L. This is my 2nd mortgage dealing with those two and unbelievable how they walked my daughter thru the process and communicating via email and a phone call if necessary. Dynamic Duo!!!
Sheila Dingman
Sheila Dingman
19:48 08 Aug 23
JoAnn was wonderful. Very helpful and kept me informed on everything.
Chad B
Chad B
00:58 28 Jul 23
JoAnn and her team explain everything very well and made it easy to understand. I appreciate this since this is the first mortgage that I've gotten on my own.
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