Celebrating our 18th year!
Exciting News ... Introducing:
* 2nd Look Program available if not already preapproved or currently working with Ann Arbor Mortgage Companies.
Looking for the perfect home?
We can help you find the perfect mortgage.
Ann Arbor Mortgage Companies offers free pre-approvals on all of our loan programs.
Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate or get a new home mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.
Get fast answers
At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
Ann Arbor Mortgage Companies was founded in 1996. We function as a mortgage banker offering Conventional, Jumbo, USDA Rural Development loans; as well as FHA and VA financing. We can also assist you with new construction loans with an option of extended rate locks.
Our job is to ensure that the financing process goes smoothly.
The Loan process:
- If you are buying or refinancing a home.
- If you are salaried: provide two years W-2 and one month of current year-to-date paystubs OR if you are self-employed: provide two years signed tax returns and a YTD profit and loss statement.
- If you own rental property, please provide rental agreements and two years tax returns
Getting qualified before you apply for a loan
When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes - More on Getting qualified
Shop loan programs and rates
Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed rate loans - More on loan rates
Obtain Loan Approval
Once your loan application has been received we will start the loan approval process immediately. This involves verifying your income, debts and credit - More Loan Approval
Close the Loan
The loan closing typically takes an hour or less and is usually completed at a local title company office. On refinance loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close - More on Closing the Loan
Bill Holmes is both personable and professional. He knows all the ins and outs of mortgages and was a great help with all the questions we had about the mortgage application process. We
had tried dealing with another loan officer in town but found Bill to be much more responsive and willing to take time to work with us. We highly recommend Bill when applying for a home loan.