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

Tony Moayyer
Tony Moayyer
20:10 13 Apr 23
JoAnn was absolute rockstar! My buyers had to close on our new home in in timely manner and she got it done with absolutely no problems. Always easy to reach her through phone or email and extremely knowledgeable on everything mortgage related. Joann worked day and night to get us closed on time and we are so appreciative of her hard work. If you want a loan officer and team that gets the job done, answers every question, and knows what they’re talking about, then Joann and her team are the team you want in your corner.I’m a realtor and by business is hundred percent depend on customer service. So when understand, acknowledge how important our businesses and time is the essence it made my transaction a lot easier. We’ll definitely return to JoAnn down the road if we ever need anything.Thanks again Sweetheart!!
Lindsey Robbins
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
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.