Our Mortgage Process

Are you wondering what you can expect when you contact MMS Mortgage Services, Ltd.? Step-by-step, here is how our mortgage loan process works.

1

Schedule your consultation.

First, you schedule your consultation. You can do this by calling (248) 788-0800 or toll free at (800) 945-4506 then press 2. We will get you set up with a time and day that works for you.

2

Review loan options.

At your consultation, you can tell us what you are looking for in a mortgage loan and more about your financial scenario. We will help you figure out which of our lending products are most suitable for your situation.

3

Submit your application.

After you choose the type of mortgage you want to apply for, you can provide your documentation and fill out the application. We can walk you through it, answering any questions you have along the way.

4

Appraisal and underwriting.

Once you have submitted your application, you will be asked to provide additional documentation for verification’ (ie wages/earnings/savings etc.) At this point, underwriting will determine whether an appraisal is needed in certain instances an appraisal waiver may be issued, which will expedite the underwriting process.

5

Conditional approval.

Underwriting may request documentation such as recent change of job, recent increase in pay or source of down payment.

6

You’re approved!

Set the date for your closing and begin enjoying your long term relationship with MMS Mortgage Services as your loan provider for the future.

Apply Now for a Home Loan in Michigan or Beyond

Have additional questions about how our mortgage process works, or ready to get started? Please call (248) 788-0800 or toll free at (800) 945-4506 then press 2, to schedule your free consultation.

We are licensed in Michigan, Alabama, Colorado, Connecticut, Florida, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania and Tennessee.

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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