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

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.

FHA

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.

VA

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.

Jumbo

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.

USDA

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

Jennifer Harbor
Jennifer Harbor
18:00 31 May 22
Keith Bartlett
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
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
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.
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
Chris Helder
20:06 29 Apr 22
Dominique Adams
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
Shannan Graham
20:08 22 Apr 22
Excellent communication through the processing stages of our refinance. Highly recommend!
Mary Lynn Williams
Mary Lynn Williams
16:49 19 Apr 22
It was great to have my interest rate lowered. Mr. Boudreau was very helpful.
John Giordano
John Giordano
17:07 28 Mar 22
Jefferson Romero
Jefferson Romero
18:18 18 Feb 22
John Paquette
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
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
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
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
Gary Mack
00:47 23 Nov 21
They made the process very easy for us. We highly recommend you check them out!
autumn johnston
autumn johnston
17:21 22 Nov 21
D&J Drown
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
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
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
Beth Portincasa
22:02 22 Oct 21
Everyone involved made the process so easy on us. Thank you MMS Mortgage.
Kevin Nicotera
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
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
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
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
Diane Compton
19:30 21 Sep 21
Robin Tarter
Robin Tarter
01:05 18 Sep 21
Excellent experience! Highly recommend! Attention to detail was superior.
Keith Tarter
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
Stephanie Nolan
00:02 14 Sep 21
Refinancing was easy with MMS and Christopher Pugh. Thank you!
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