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.”

Loan Options in Michigan and Beyond

Before you can purchase a home or refinance, you need to identify the mortgage product that will meet your needs.

MMS Mortgage Services, Ltd. is a licensed loan originator and servicer. Our range of mortgage products includes options that are ideal for first time or repeat homebuyers, current homeowners, and those who would like to build a home or invest in a vacation home.

We Offer These Types of Home Loans


Conventional mortgages are those that are not backed by government agencies such as VA or FHA. When a conventional mortgage fits within the conforming loan limits set by Fannie Mae and Freddie Mac, it is a conforming loan.


An FHA mortgage is insured by the Federal Housing Administration. FHA loans feature easy credit qualification requirements, low down payments, and affordable interest rates. These features make them popular among first time homebuyers. Repeat homebuyers can apply as well.


A VA mortgages are insured by the Department of Veterans Affairs. This type of mortgage also features easy credit qualifications and affordable interest rates. Plus, eligible applicants can purchase a home with no down payment with this type of mortgage. There is also no PMI.


When a conventional mortgage is for an amount that is higher than the Fannie Mae and Freddie Mac conforming loan limits, it is called a “non-conforming” or “jumbo” loan.


Another type of mortgage that you can use to purchase a home with no down payment in a rural area is a USDA mortgage. This income-based program is backed by the US Department of Agriculture.

First Time Home Buyers

Shopping for your first home means shopping for your first mortgage as well. We are here to clarify every step of the mortgage process for you and to help you find a suitable loan.

Construction Loans

Is your dream home still on the drafting board? We can connect you with flexible financing for home construction. Sooner than you know, you will be laying the foundation for your future.

Vacation Home

Buy the vacation home of your dreams with a mortgage to match.

MHSDA (Michigan Housing Authority)

Do you need assistance making your down payment? We can help you determine your eligibility for this state program.

Reverse Mortgage

If you want to increase your income during retirement with a financing product that is flexible and affordable, tapping into your home equity using a reverse mortgage maybe just what you need.

Investment Mortgage Loan

For investors looking for a rapid qualification process and flexible financing, MMS Mortgage Services offers no ratio mortgage loans.

Self Employed Loan

If you are looking to purchase a commercial property with 1-4 units, the process is rapid, easy and flexible when you apply for a bank statement loan through MMS Mortgage Services.

Rental Property Loans

Rapidly close on real estate with a full term loan featuring up to 75% LTV.

Apply Now

Are you ready to find the mortgage that ideally suits your needs? Our friendly and knowledgeable experts are standing by.

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

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.