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.”

MMS Mortgage Services, Ltd. Frequently Asked Questions

Q: What is the interest rate?

The only way we can tell you the interest rate you would qualify for is for you to apply. Your credit score, debt-to-income ratio, and other factors all can have an influence on the final rates you receive.

World events also impact the financial markets which drive mortgage loan interest rates, timing is everything when determining your interest rate.

Q: What is the loan term?

Different mortgage products have different loan terms available. We can help you identify a product that will fit your needs during your consultation.

Q: What are your mortgage fees?

The exact fees associated with your mortgage will depend on the specifics involved in your scenario. At your consultation, we can provide you with in individual estimate.

Q: Who is going to service the loan?

We cannot service government loans, but we are able to service the majority of other loans.

Q: What is the minimum credit score?

The credit score you need to qualify for a mortgage varies depending on what type of mortgage you apply for.

We offer mortgage products that feature flexible requirements with respect to credit scores.

Q: How much can I borrow?

How much you qualify to borrow is determined by your individual qualifications, the type of home loan for which you are applying, and limits for that type of loan.

Q: Do you work with clients in my state?

MMS is based in Michigan and works with borrowers throughout that state. 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.

Apply Now

If you are shopping for a home in any of those states, we can assist you. To get started, please call (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

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!