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

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.