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

Mortgage Refinance in Michigan

Are there ways in which your current mortgage could better serve your needs? It could be time for a refinance. MMS can help you refinance your home loan so that it is a more suitable fit for your financial needs.

Reasons to Refinance
Your Home Loan

Here are some reasons why borrowers refinance their home loans:

  • To reduce their mortgage rates.
  • To change interest rate formats.
  • To extend the time to pay off their home loans.
  • To change to a mortgage that does not require PMI or MIP.
  • To renegotiate other terms.

Signs It Might Be Time to Refinance

Every scenario is unique. So, to help you figure out whether it is the right time to refinance your home loan, we would need to speak with you in a consultation.

But any of the following signs might mean that the time is right:


You have had an increase in your credit score, a decrease in your debt-to-income ratio, or another improvement in your risk profile.

You plan to stay longer in your home than when you took out your loan, or you plan to leave sooner.

You want to lower your monthly payments.

Your equity has increased, allowing you to potentially drop PMI or MIP with a new mortgage type.

You are consolidating debts such as high interest credit revolving credit card debt to a low interest rate and more affordable payment on your home mortgage loan.


Those are just examples. They may or may not be applicable to you. There are also other situations where a refinance might be wise.

Refinance Your Home
Loan Now

The best way to find out whether a refinance may benefit you and your family is to schedule a consultation. To get started, please call (248) 788-0800 or toll free at (800) 945-4506 then press 2.

MMS Mortgage Service Areas

See What Our Clients Are Saying About Us

Jennifer Churchill
Jennifer Churchill
19:27 21 May 24
JoAnn with MMS Mortgage Services was super helpful, attentive to the details, and kept things moving along - in a friendly way! - getting me to closing day smoothly. She even helped coordinate an out-of-state notary to come to me so we could close in a timely manner. I LOVE my new house, and am grateful to JoAnn for her part in getting me here!
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
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