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.
See What Our Clients Are Saying About Us
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
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
Terry Graeb
15:09 31 Aug 23
Excellent service from both Christopher P. and Jamie L. This is my 2nd mortgage dealing with those two and unbelievable how they walked my daughter thru the process and communicating via email and a phone call if necessary. Dynamic Duo!!!
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.”
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MMS Mortgage Services, Ltd. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. MMS Mortgage Services, Ltd. is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.