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.”

NMLS ID: 131062

Buy a Home in Michigan or Beyond

Whether you are buying your first home, a second home, or a vacation home, finding the right mortgage is one of the first steps.

You have the dreams, and MMS Mortgage Services has the solutions. Your search for a suitable loan ends with a consultation with one of our mortgage experts.

We can assess your needs and help you quickly determine which mortgage products are ideal.

Additionally, we can answer your questions about down payment assistance programs in your area.

Mortgage Options We Offer for Home Purchase


If you are applying for a mortgage that is not backed by a government agency, that is a conventional home loan. You can choose your loan term and whether you prefer an adjustable or fixed mortgage rate.

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To borrow more money than a conforming conventional loan allows with the Fannie Mae and Freddie Mac loan limits, apply for a jumbo mortgage. If you are not sure whether you need a jumbo loan or a conforming loan, we can help you determine that during your consultation.

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For a mortgage that offers easy credit qualifications, a low down payment, and other great features, consider an FHA Mortgage backed by the Federal Housing Administration.

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If you are a veteran, active-duty service member, or eligible surviving spouse, applying for a VA mortgage can make homeownership with no down payment possible.

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You can apply for a USDA Mortgage backed by the US Department of Agriculture if it is your goal to purchase a home in a rural area.

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Vacation Home

Along with mortgages for primary residences, we also offer financing to purchase a second home or vacation home.

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First Time Home Buyers

Are you shopping for your first home? Get the recommendations you need and answers to your questions. MMS can walk you through the entire home buying process step by step. We will help you figure out what mortgage is suitable for purchasing your first home.

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MSHDA Down Payment

MSHDA describes the MI Home Loan program on its website. It says, “The MI Home Loan program is a mortgage product that is available to first-time homebuyers state-wide and repeat homebuyers in targeted areas.

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Buy a Home Now With
a Flexible Mortgage

If you are ready to purchase a home, please give us a call today at (248) 788-0800 or toll free at (800) 945-4506 then press 2, to schedule your free consultation.

MMS Mortgage Service Areas

See What Our Clients Are Saying About Us

Hayden Collins
Hayden Collins
16:01 07 Feb 24
JoAnn was incredible! As first time homebuyers, the process was definitely confusing and a little stressful. Our previous lender we worked with was not helpful, and failed to explain everything to us. JoAnn was incredibly patient, responsive, and knowledgeable. We closed on our home quicker than we expected, and got so lucky with her. I will recommend anyone to JoAnn without a doubt!
Eric Gilkie
Eric Gilkie
23:16 03 Dec 23
I have been a customer for 18 years and when i. Done payinv off my mortgage i will miss this customer service alwayx go the long mile for you never give up on you
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!!!