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

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.