Conventional Loans Farmington Hills MI | Conventional Loan Experts

One flexible mortgage product you can use to buy a home is a conventional conforming loan.

With this type of home loan, it is possible to move into your new home with a low down payment.

What is a Conventional Mortgage?

Any loan that does not feature backing from a government agency qualifies as a conventional home loan.

It is common for borrowers to confuse conventional loans with conforming loans and or think they are one and the same.

Conforming loans are simply those that fit within the conforming loan limits for Fannie Mae and Freddie Mac.

Non-conforming loans also fall under the umbrella of conventional loans.

On this page, we will focus on conforming conventional loans. If you want to learn more about non-conforming loans, see our Jumbo mortgage page.

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Conforming Loan Limits in Michigan

To find out whether you can buy a home using a conventional conforming loan, you need to look up the loan limits for your county.

Consider Oakland County, for example, where our offices are located. The conforming loan limits are:

1 UNIT

$548,250

2 UNITS

$702,000

3 UNITS

$848,500

4 UNITS

$1,054,500

If you want to borrow within those amounts, you might be able to purchase a home with a conventional loan in that county.

Most counties in Michigan and throughout the United States have those same conforming loan limits.

However, if you want to buy a home in a high cost county, it might have higher loan limits as well.

Are You Eligible for a Conventional Conforming Loan?

When you apply for a conventional home loan with MMS, we will assess these qualification criteria:

Your credit score
Your debt-to-income (DTI) ratio
Your income
Your down payment ability
Your employment status
Your employment history

We can offer you recommendations to help you increase your credit score before submitting your loan application.

Our team are experts in advising down payment assistance options to meet your needs.

Apply Now for a Conventional Conforming Loan

If you are excited to buy a home with a conventional conforming mortgage, please call (248) 788-0800 or toll free at (800) 945-4506 then press 2, to schedule your free consultation.

MMS is also licensed in Alabama, Colorado, Connecticut, Florida, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania and Tennessee. We can help you apply for a conventional conforming loan in any of those states.

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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

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

tana humphrey

20:01 25 Oct 23

Chris and Jamie were so very helpful. They always answered my calls or returned them quickly and walked me through everything i needed to do or send or fill out. Even after the sale was completed, they answered any questions we had. I highly recommend them to anyone. Our underwriter may have continued to request more information, but Chris and Jaime were on it and everything settled in no time. Great job!

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!!!

Sheila Dingman

19:48 08 Aug 23

JoAnn was wonderful. Very helpful and kept me informed on everything.

Chad B

00:58 28 Jul 23

JoAnn and her team explain everything very well and made it easy to understand. I appreciate this since this is the first mortgage that I've gotten on my own.

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

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

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.

Erich Dyer

15:45 23 Jan 23

Professional and closed quickly. I will be using them again 100%

Sondra Thuma

15:05 21 Jan 23

Lou B. from the Macomb location was very unprofessional with the way he prioritized my services and needs. I never heard back from him for my pre-approval rate within a span of a week and a half. I had to continue to reach out to him to hear back via email. In today's age, there is no exception to not respond within hours of an email, especially to your soon-to-be clients. I mentioned to Lou I am no longer interested in his services and he has STILL not responded in over 24 hours...Very unprofessional and non-responsive. If I wanted a house tomorrow I would never even have a chance to buy it.

Kam DeLano

18:30 18 Jan 23

Wow! This was the easiest mortgage group to work with! Chris and Jamie were amazing! They were able to get all the paperwork and have us ready to close in 3 weeks! Highly recommend Member Mortgage Services for your Mortgage needs.

Mark Howson

16:32 25 Aug 22

MMS had a better rate then any other company we talked to. Chris and Jamie were amazing. They were responsive and helpful through out the whole mortgage process. We were able to close earlier then expected with their help. Definitely recommend.

Jennifer Harbor

18:00 31 May 22

Keith Bartlett

19:36 26 May 22

Paul was great with managing our refi. The process was easy and did 98% from home. Great job.

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

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.

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.

Chris Helder

20:06 29 Apr 22

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

20:08 22 Apr 22

Excellent communication through the processing stages of our refinance. Highly recommend!

Mary Lynn Williams

16:49 19 Apr 22

It was great to have my interest rate lowered. Mr. Boudreau was very helpful.

John Giordano

17:07 28 Mar 22

Jefferson Romero

18:18 18 Feb 22

John Paquette

14:05 15 Feb 22

From the 1st time I meet Chris just to ask a question till the finalizing of our mortgage , I felt we were in good hands best decision we made . thank Chris for his help

Coleman James

14:04 01 Feb 22

JoAnn and Jordan know how to get things done in a competent and excellent manner. They even accommodated us while we were vacationing in Florida as we were able close down there without a hitch. I highly recommend their services.

Herman Schmidt

17:13 31 Jan 22

Everything that was done to get my house deal done was excellent! I am only giving 4 stars because I have yet to hear from MMS about my payment information. I did set up automatic payment, but I am one of those that likes to pay in advance so payment info, an app, or guided towards a web site would be great.

Christine Brimer

08:59 28 Dec 21

Joann and Jordan are great to work with and make the mortgage process very easy. Questions are answered promptly and the closing process was complete in less than 3 weeks. My original mortgage and now my refi went so smooth that I would highly recommend Member Mortgage Services to all my friends and family.

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!!

Gary Mack

00:47 23 Nov 21

They made the process very easy for us. We highly recommend you check them out!

autumn johnston

17:21 22 Nov 21

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

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.

Beth Portincasa

22:02 22 Oct 21

Everyone involved made the process so easy on us. Thank you MMS Mortgage.

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!

Diana Linsey

19:16 11 Oct 21

I was able to get my mortgage at a lower rate and bundled some of my bills! Because Nick Santy led me through this process, I am able to manage my money in a more efficient manner! Nick kept me well informed and didn’t hesitate to call me with questions and encouraged me to do the same! Thank you!

Corey Buddy

19:18 27 Sep 21

We had a great experience with MMS Mortgage Services, Ltd. From application to closing, our loan officer made the process so simple and hassle free. JoAnn was always quick to return our calls and answer our questions. We highly recommend MMS Mortgage Services, Ltd to anyone who is looking to take out a home loan or refinance an existing loan. We will continue to do business with them.

RON HOLDER

18:37 27 Sep 21

MMS has now assisted us with 2 home financings and has always been available, responsive and client oriented. We had started a process of a refi and MMS really stepped up the make sure we got the best rate possible and closed in record time

Diane Compton

19:30 21 Sep 21

Keith Tarter

08:31 14 Sep 21

Lou was amazing. The rate was great, and the process was very easy and quick. I would highly recommend using Member Mortgage Services.

Stephanie Nolan

00:02 14 Sep 21

Candyce Williams

00:46 30 Aug 21

Refinancing was easy with MMS and Christopher Pugh. Thank you!

K. Ressler

17:34 25 Aug 21

I have used Member Mortgage Services twice in the last few years for Mortgage pay out and Mortgage re-financing. They are wonderful to work with and very reliable if you have questions. Would recommend.

Bill Steen

13:30 18 Aug 21

super easy!! quick processes and Christopher was great! 100% recommend...

Catherine Campbell

16:38 09 Aug 21

Joann and her team (Jordan) were so helpful and always quick to respond to questions regarding our refi. They made the process stress free! Thank you so much for all your help😊

Michael Jager

12:19 06 Aug 21

Ron Bergin

10:35 29 Jul 21

We recently used MMS Mortgage Services for a home purchase. The support team that we worked with did an excellent job. They kept us posted throughout the process. We will definitely be using them again. We highly recommend them. Both of my adult children will be using them soon.

christine chandler

22:35 21 Jul 21

Cassie Shaffer

19:27 22 Jun 21

Kary Lucas

10:55 22 Jun 21

Great helpful staff. Very responsive and super helpful guiding us through the loan process.

Caitlyn Flowers

20:59 21 Jun 21

Michigan One helped us immensely with our refinance loan. They knew all of the ins and outs of our previous and highly complicated mortgage. Everyone on the team who helped us was very professional and very prompt which we greatly appreciated! They made it easy for us to transfer. We are very happy with our decision to refinance through Michigan One!

Kevin Cook

18:26 21 Jun 21

Your service was was quick and accurate, and more than patient with someone without computer skills. Thank you.

Mark Barbrick

15:22 27 May 21

Got referred to MMS by my most favorite and the Bestest realtor in the world, Mary Sandberg.The online mortgage process was fast and pretty expedient. Very few hiccups!JoAnn Pugh and the team did a great job!👍 Thanks!And thanks to Hiedi Heaton@ Greeridge Reality for her help as the transaction agent!😽

tammi wiseman

20:51 26 May 21

I had a great experience with MMS Mortgage Services. I was kept in the loop during the process and everything moved quickly and flawlessly. Would definitely recommend

Jessica Proctor

21:26 16 May 21

I Highly recommend Member Mortgage. Joann and her team was amazing! They answered any questions I had and made our dream a reality!

June Cudney

14:39 14 May 21

Norma Holmes

00:33 13 May 21

I would like to thank Joann and her people for all the hard work they did for me. They are very good at what they do. They are always very helpful with any questions or issues that come about. And a special thank you to Joann for her Patients and understanding for those of us that are not experts in these matter. I would recommend all of them to anyone anytime. It was a Great experience for me. Thank you again 😁

Kelly Kieselbach

12:07 07 May 21

Thank you for a positive experience!

Shannon Hilliker

23:44 04 May 21

Great experience with our refinance- clear communication throughout with great customer service.

Sheri Frankhouse

14:27 08 Apr 21

Thank you very much MMS for the ease of our recent refinancing. We worked with our trusted credit union TriCitiesCU in Grand Haven. We were able to get a very low interest rate and had years shaved off our mortgage which is exactly what we wanted.Thank you, Craig and Sheri Frankhouse

Ray Jaglowski

16:08 05 Apr 21

It was a well organized, smooth process. No complaints, and very happy with the service, communication during the process and the results.

Elaine Burnham

17:02 05 Mar 21

I had a great experience with Jo Ann. I appreciate everything she did for me to acquirer the loan. Thank you.

sarah bergin

14:46 04 Mar 21

They did a great job helping us with our refinance!

Denis Rokicki

17:37 03 Mar 21

I enjoyed working with Joanne Pugh and recommend this company for your mortgage needs.

chok-chok Amador

16:16 22 Feb 21

applying for the mortgage was seamless and the rates were excellent!

Anna Holzinger

00:06 18 Feb 21

Gary Himes

18:19 05 Feb 21

I am an older adult (over 65 yrs. old) The patience, kindness, and true caring I felt through my refinance process because of Chris Pugh and Jamie Lintz was remarkable. Both of these individuals displayed a sincere attitude of trying to make the process as easy for me as was humanly possible. They were knowledgeable and patient. When I had a question they answered it completely and thoroughly. Someone people do their jobs with a negative attitude, these two are truly customer oriented and I wish that I had other needs in their realm. Kudos to the people who trained them. I will recommend Member Mortgage Services to all.

Sandra Sproule

10:38 23 Jan 21

My experience with staff (JoAnn Pugh) at MMS Mortgage for refinancing of my house was made very easy and the whole process understandable. I was provided with answers and possible solutions to issues with my particular circumstances and I proceeded forward with the refinance. At the last hour of the process when I was ready to sign the papers, another issue came up and again MMS Mortgage (JoAnn Pugh) was able to work with the title company and find the answers and the problem was solved. Yes, today my house is refinanced with the lowest interest rate I have ever experienced.Thank you MMS Mortgage and JoAnn Pugh !!!!!!!!

Lorna Durand

17:23 22 Jan 21

Working with MMS Mortgage Services was easy. The professional staff, their follow through, and the communication and support that was provided during the process was greatly appreciated. We would recommend this company to our friends, family, and others.

Lou

14:30 21 Jan 21

Nice to still see a company that still works those 9-5 hours. They make it appear you can do stuff on their web page. You can't update anything. Force to call them and wait. Than get told to go back to the web page and fill out 'other request'. Spend some money on a few web page updates. Thought it was the electronic age.

Cathrine Raftery

23:54 18 Jan 21

JoAnn was a dream to work with! She made it so smooth to complete the refinance on my house. She was super speedy to answer any questions I had and was quick to get me what I needed.

Tyler Kus

23:02 18 Jan 21

Our experience with Member Mortgage Services was excellent! Jane Kelly took care of our every need and answered our numerous questions throughout the process. We felt supported and confident throughout the entire mortgage process, despite being first time home buyers. We’d recommend their services to anyone looking to buy a home.

Jason Rogers

20:12 18 Jan 21

Our experience was simple and flawless. Great communication from everyone involved. Highly recommend.

Beth Pieciak-Davidson

01:44 14 Jan 21

JoAnn and her daughter are amazing at getting you the loan product you need in a quick and sufficient time period. Their attention to detail and customer service is phenomenal. I would recommend them to all my family and friends.

Gundy Stepanek

06:14 05 Jan 21

From start to finish, JoAnn and her team were helpful and so knowledgeable. My husband and I were in the market for our first house, and they made it so easy for us. Even with COVID, communication was quick and everyone had made an effort to make sure we understood what we were doing. I would highly recommend the team to anyone!

Leah DeLano

22:15 26 Dec 20

Greatest service ever! The professionalism and constant communication is greatly appreciated - highly recommend MMS!

Penny Rust

17:30 10 Dec 20

What an easy and painless refinancing we just had! I can’t thank you all enough for making it go so smoothly. I will be recommending you to all my family and friends!

Jeff Middleditch

15:42 11 Nov 20

Great, promt, prossional, friendly, helpful and trustworthy! Refinance went very smoothly.

Bryan Hanely

02:17 11 Nov 20

I refinanced my home with MMS Mortgage Services in October of 2020, what a wonderful experience. Chris Pugh and support team Jamie Lintz, Randi Moser and Pam (closing specialist) worked tirelessly with me all the way through to the closing. Thanks to all involved!

Kristin Ahiekpor

21:18 14 Oct 20

Guidance and explanations were provided each step of the way. Thank you for a positive financial experience

Hailie Patterson

12:55 20 Aug 20

JoAnn Pugh and her team at Member Mortgages Services are amazing! JoAnn was quick to get back to us with an approval and with answers to questions. She kept us updated along the way as to where we were at in the process and had great turn around time. They are by far the best mortgage company we have ever worked with. I recommend Member Mortgage Services to everyone I know!

Jacob Smith

01:46 20 Aug 20

Professional, quick, and great rates at MECU! Highly recommend. They had the best rate for our home RE-FI!!

Angela Anderson

16:15 19 Aug 20

JoAnn was very friendly, informative and on top of her game! We had previously gone through another mortgage company (we ended up firing them) and are glad we did! She took the time to explain things so we could understand them and was quick to respond to questions. She never used COVID as an excuse as so many companies and people are today. We have recommended her and MMS to all of our friends and family!!

Angela Mason

14:53 16 Aug 20

Jazmine Currier

00:46 16 Jul 20

I had a great experience! JoAnn was very helpful and patient with me through this whole process. She answered all of my questions thoroughly and made sure I knew exactly what I was getting in to!

Taylor Gutkowski

15:47 15 Jul 20

Readily available to help with questions and concerns, friendly staff, overall a great credit union!

Joseph Barnes

18:53 10 Jul 20

Christopher Pugh and Jamie Lintz were amazing to work with! I highly recommend MMS Mortgage Services.

michelle sneperger

10:17 23 Apr 20

Shannon Barnes

14:11 12 Mar 20

I recently did a refinance with Chris Pugh at Member Mortgage Service. The service through the whole process was excellent. Chris took my application on my lunch hour and I got a call to set up the appraisal that night. The appraiser was at my home the next day. We closed within three weeks. I encountered one issue when a check issued to pay off my charge did not reach the bank. I called the title company and they immediately let me know they could over night a check to me and I could pay it at a local branch. The charge was paid off the next day. #excellent service

lemuel joseph

18:18 29 Jan 20

I appreciate Joanne and her team that helped me out at mms mortgage service. As a first time homebuyer I had no knowledge of anything and she took her time with me and even met with me at the branch to help me out. I look forward to doing business with them again

Bridget Martin

15:12 19 Jan 20

We had a great experience. Our specialist answered all of our questions and made us aware of all of the options available to us for our refinance. The whole process transpired very quickly.

Michele Hill

02:34 14 Jan 20

Working with MMS Mortgage has been great. I asked to close by a specific date and they were able to meet my dates and were professional along the way

Todd Butler

19:03 13 Jan 20

Outstanding service! Everything was handled with care and professionalism! Could not recommend more highly!

Troy Calhoon

20:59 06 Dec 19

As a Real Estate Agent, I just recently closed on a deal with Patrick at MMS Mortgage Services and was more than pleased with the service provided. The process for me and my clients was smooth and efficient. I would definitely recommend this company.

Heath Dutton

14:00 21 Nov 19

I just recently closed on my second mortgage with MMS Mortgage Services and the level of service is outstanding. My loan officer was extremely knowledgeable, answered all my questions every step of the way (Even after hours and on weekends), and made the process for my family seamless. I highly recommend MMS Mortgage Services to everyone I know!

Alan Landheer

12:14 06 Nov 19

I have had MMS mortgage services for quite a while now. We just refinanced and they made it extremely simple to do.

Andrea Quillan

20:35 30 Oct 19

They were great to work with, everyone was friendly and efficient. They explained everything very well. Would work with them again.

Katie Dozeman

17:17 30 Oct 19

Always amazing! Super fast on responding back

Angel Cruz

21:19 29 Oct 19

Was helpful and professional

Conventional Loans in Michigan and Beyond

What is a Conventional Mortgage?

Conforming Loan Limits in Michigan

$548,250

$702,000

$848,500

$1,054,500

Are You Eligible for a Conventional Conforming Loan?

Apply Now for a Conventional Conforming Loan

See What Our Clients Are Saying About Us

Quick Links

Loan Options

Resources

Contact

Conventional Loans in Michigan and Beyond

What is a Conventional Mortgage?

Conforming Loan Limits in Michigan

$548,250

$702,000

$848,500

$1,054,500

Are You Eligible for a Conventional Conforming Loan?

Apply Now for a Conventional Conforming Loan

See What Our Clients Are Saying About Us

Quick Links

Loan Options

Resources

Contact

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