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.

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

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!!
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!