Committed to your needs

Customers first

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, get a new home mortgage, home equity loan or second 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. Wondering if a new home equity loan or second mortgage can lower your monthly payments? 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 Company, L.L.C., was founded in 1996. We offer conventional, jumbo, VA financing, as well as second mortgages and home equity loans. 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 paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.

• If you own rental property, please provide rental agreements and two years tax returns - More on refinancing a home

If you are applying for a home equity loan
• If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.

• If you own rental property, please provide rental agreements and two years tax returns - More on home equity loans

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 or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed 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 - More Loan Approval

Close the Loan
Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity 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

Jumbo Loans
Jumbo loans is the maximum loan amount set fourth by Fannie Mae and Freddie Mac. More on Jumbo Loans

Conventional Loans
Conventional loans can be made to purchase your home or to refinance your home with first and second mortgages on a single family home to a four family home. - More on Conventional Loans

VA Loans
VA loans are guaranteed by U.S. Dept. of Veterans Affairs. VA loan guaranty allows veterans and service persons to obtain home loans with favorable loan terms, usually without a down payment. - More on VA Loans

Second Mortgages
A second mortgage is a loan secured by real estate that already has a primary or first mortgage on it. - More on Second Mortgages

Home Equity Loans
A Home Equity Loan allows a homeowner to borrow money by leveraging the amount of money they have invested into owning their home. - More on Home Equity Loans

Reverse Mortgages

A reverse mortgage allows homeowners who are 62 years or older to convert a portion of the equity in their homes into cash. - More on Reverse Mortgages