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

Angie Valchine
Angie Valchine
17:34 29 Nov 21
Our family's first mortgage was with MMS Mortgage Services over 25 years ago and then we took a different path because of a family members association with the banking industry. We are happy to say, we have returned to MMS and our refinancing process went smoothly and quickly! We want to thank Christopher and Jamie for all you did to help us to return our mortgage to MMS!!
D&J Drown
D&J Drown
19:13 05 Nov 21
Joann and her team at MMS Mortgage Services made it easy from start to finish. Fast, helpful and always available to answer questions. Thanks again! You're the best!
Jane Sauchak
Jane Sauchak
13:32 23 Oct 21
I moved from out of state. That presented several problems. All my previous closing papers were packed! Chris made me feel at ease, as he explained he could get the information through other sources. He walked me through the process smoothly and efficiently. Closing was right on schedule.
Melissa George
Melissa George
10:59 23 Oct 21
Professional, productive and knowledgeable are just a few words I would use to describe my experience with them. Highly recomend, you won't be disappointed!
Kevin Nicotera
Kevin Nicotera
21:58 22 Oct 21
Lou did a fantastic job at making sure our mortgage loan was handled quickly and effectively. When we needed help, he provided sound advice and walked us through every option available. I cannot recommend him enough!