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.”

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.


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.


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.


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.


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.


Conditional approval.

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


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, Rhode Island, and Tennessee.

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!