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.”

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

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.
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!