Michigan's Mortgage Experts: From Pre-Approval to Closing Day
We've helped thousands of Michigan families buy homes, lower their payments, and build wealth through real estate since 1999. No guesswork. No surprises. Just results.
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Complete Mortgage Solutions for Every Situation
Whether you're buying your first home, refinancing, or building an investment portfolio, we have the right loan program and the expertise to get it done.
Home Purchase Loans
Conventional, FHA, VA, USDA, Jumbo, and low down payment options. First-time buyer programs with down payment assistance available.
Explore Purchase Loans →Refinance Programs
Lower your rate, access equity, consolidate debt, or shorten your loan term. Rate & Term, Cash-Out, FHA Streamline, VA IRRRL, and more.
Explore Refinance Options →Practice Purchase™
Our exclusive system lets you simulate your entire mortgage before committing. See your payment, cash to close, and affordability, risk free.
Learn About Practice Purchase™ →Investor Loans
DSCR loans, Fix & Flip, Rental Property, BRRRR Strategy, and Multi-Unit financing. No income verification required for DSCR programs.
Explore Investor Loans →Pre-Approval & Approvals
Instant pre-qualification, full verified pre-approval, same-day options, and offer-ready approval letters to make your offer stand out.
Get Pre-Approved →Specialty Loan Programs
Self-employed, low credit, high DTI, ITIN loans, non-occupant co-borrower, and first-time buyer grants. We find solutions others can't.
View Specialty Programs →Introducing the Practice Purchase™ System
Most buyers go into the mortgage process blind. The Practice Purchase™ changes that. Before you ever make an offer, we walk you through your complete mortgage scenario, payment, cash to close, DTI, and rate comparisons, so you know exactly what to expect.
- ✅ Affordability Breakdown, know your real budget
- ✅ Monthly Payment Simulation, no surprises at closing
- ✅ Cash to Close Estimation, plan your savings
- ✅ Scenario Planning, compare rates and prices
- ✅ No Hard Credit Pull, zero risk to your score
- ✅ Purchase Readiness Evaluation, know when you're ready
How It Works
No hard credit pull. Takes 3 minutes.
Your loan officer creates a full simulation.
Walk through every number with your expert.
When you're ready, we make it happen fast.
Why Michigan Mortgage Solutions?
We've been helping Michigan families achieve homeownership since 1999. Here's what sets us apart.
Practice Purchase™ System
Our exclusive process lets you simulate your mortgage before you commit, no risk, no hard credit pull.
Expert Team of 5 Loan Officers
From first-time buyers to seasoned investors, our specialists match you with the right expert for your situation.
Same-Day Approvals Available
Get a verified pre-approval letter the same day in many cases, so you can make competitive offers with confidence.
Access to 50+ Lenders
As a broker, we shop your loan across dozens of lenders to find the best rate and terms, not just one bank's products.
Specialty & Hard-to-Place Loans
Self-employed? Low credit? High DTI? ITIN? We have programs for borrowers other lenders turn away.
Step-by-Step Guidance
We guide you from first conversation to closing day, no guesswork, no surprises, just clear communication.
Meet Your Mortgage Team
Five dedicated specialists, each with deep expertise in different loan types. You'll always work with a real person who knows your file.
Jason Nolan
Trevor Sines
Yolanda White
Robert Kaye
Pete Sans
What Our Clients Are Saying
275+ five-star reviews from homebuyers, homeowners, and investors across Michigan.
"Trevor and the team at Michigan Mortgage Solutions made buying our first home so easy. They walked us through every step and got us a rate we couldn't believe. Highly recommend!"
"I was self-employed and thought getting a mortgage would be a nightmare. Jason found us a bank statement loan that worked perfectly. Closed in 28 days!"
"Used the Practice Purchase™ system before we were ready to buy. It gave us a clear picture of exactly what we could afford. When we were ready, the actual purchase was a breeze."
"Refinanced with MMS and saved $340/month. The process was smooth, communication was excellent, and they found a rate my bank couldn't touch."
"As an investor with 6 properties, I needed a lender who understood DSCR loans. Pete Sans at MMS knew exactly what I needed and got it done fast."
"My credit wasn't perfect but Yolanda worked with me for 3 months to get my score up. Then we closed on my dream home. They truly go above and beyond."
Serving the State of Michigan
We serve 55+ cities and zip codes across Michigan. Find your city below.
The MMS Mortgage App
Manage your entire mortgage from your phone. Apply, upload documents, track your file status, and run mortgage calculations, all in one app built for Michigan Mortgage Solutions borrowers.
- 📋 Guided 1003 Loan Application
- 📁 AI-Powered Document Upload & Review
- 🧮 Practice Purchase™, Refi & Investor Calculators
- 📊 Real-Time File Status Dashboard
Frequently Asked Questions
Quick answers to the most common mortgage questions.
Ready to Find Your Best Mortgage Rate?
Join thousands of Michigan homeowners who've trusted Michigan Mortgage Solutions. Get started today, it's free, fast, and there's no hard credit pull.