First Time Home Buyers Farmington Hills MI

Buying your first home can be easy when you find the right loan. MMS Mortgage Services is here to help you do it quickly so you can get the keys to your new home.

Discover Your Ideal Loan Product

There are a number of different types of mortgage products that are suitable when you are shopping for your first home.

MMS can assist you in assessing which type of home loan will fit your requirements.

Conventional
A home loan that is not backed by a government agency is called a conventional mortgage. If it also fits in the conforming loan limits for Fannie Mae and Freddie Mac, it is a conforming conventional loan.

Jumbo
When the conforming loan limits are too restrictive, you can turn to a Farmington Hills jumbo mortgage to purchase your home.

FHA
A home loan backed by the Federal Housing Administration is known as an FHA mortgage. Among the most popular first time homebuyer loan options, FHA mortgages feature easy credit qualifications and other benefits.

VA
A loan backed by the US Department of Veterans Affairs is called a VA mortgage. You can buy a home with zero down payment using this type of home loan. You do not have to pay for PMI.

USDA
A loan backed by the US Department of Agriculture is a USDA mortgage. Apply through this income-based program to buy a home in a rural area with zero down payment.

Construction

If you want to build your first home from the foundation of, you can apply for a construction loan.

Know exactly what you can afford
before you search for homes.

Take the first step by getting pre-approved for FREE!

Get Pre-Approved Today

We Can Help With Down Payment Assistance

First time homebuyers often tell us they are concerned about how they will afford to make their down payment.

Some types of mortgages we offer can have very low down payments or no down payment. But if you are still not sure if you can afford to move into a home, you can look into down payment assistance programs.

In fact, if you live in Michigan where our offices are located, we can help you apply for the MI Home Loan program through the Michigan State Housing Development Authority (MSHDA).

Buy Your First Home Now

You are excited to move into your new home, and we are excited to get you there. To apply for your first mortgage, please call (248) 788-0800 or toll free at (800) 945-4506 then press 2, to schedule your free consultation.

Along with Michigan, we are also licensed in Alabama, Colorado, Connecticut, Florida, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Rhode Island, and Tennessee.

Do you know how much home you can afford?

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Today's Mortgage Rates

Lindsey Robbins

12:57 23 Mar 23

We had an Outstanding experience working with MMS Mortgage Services! Thank you for being there with your wisdom through each step of the buying experience. We appreciate everyone who helped along the way.

Aundrea Newbern

16:15 23 Jan 23

I can't say enough good things about this team! If you are looking for a mortgage loan their team is knowledgeable, communicative and they have great rates.

Erich Dyer

15:45 23 Jan 23

Professional and closed quickly. I will be using them again 100%

Kam DeLano

18:30 18 Jan 23

Wow! This was the easiest mortgage group to work with! Chris and Jamie were amazing! They were able to get all the paperwork and have us ready to close in 3 weeks! Highly recommend Member Mortgage Services for your Mortgage needs.

Mark Howson

16:32 25 Aug 22

MMS had a better rate then any other company we talked to. Chris and Jamie were amazing. They were responsive and helpful through out the whole mortgage process. We were able to close earlier then expected with their help. Definitely recommend.

Jennifer Harbor

18:00 31 May 22

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

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

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.

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

20:06 29 Apr 22

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

20:08 22 Apr 22

Excellent communication through the processing stages of our refinance. Highly recommend!

Mary Lynn Williams

16:49 19 Apr 22

It was great to have my interest rate lowered. Mr. Boudreau was very helpful.

John Giordano

17:07 28 Mar 22

Jefferson Romero

18:18 18 Feb 22

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

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

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

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

00:47 23 Nov 21

They made the process very easy for us. We highly recommend you check them out!

autumn johnston

17:21 22 Nov 21

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

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

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

22:02 22 Oct 21

Everyone involved made the process so easy on us. Thank you MMS Mortgage.

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

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

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

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

Buy Your First Home With MMS Mortgage Services, Ltd.

First Time Home Buyer

Discover Your Ideal Loan Product

We Can Help With Down Payment Assistance

Buy Your First Home Now

See What Our Clients Are Saying About Us

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