Business Details
50+ Years
experience
Your Trusted Mortgage Partner in Troy, MI
Ross Mortgage has been a trusted name in the mortgage industry since 1949, dedicated to providing personalized and reliable financial solutions. Headquartered in Troy, Michigan, we serve clients across Michigan, Kentucky, Florida, Virginia, and Tennessee through a network of experienced professionals. Our commitment to honesty, integrity, and customer-centric service has earned us a reputation as a leader in mortgage lending. With decades of expertise and advanced technology, we offer a wide range of loan programs, including FHA, VA, conventional, and jumbo loans, tailored to meet diverse client needs. Our team of certified experts ensures a seamless process from origination to closing, emphasizing transparency, competitive rates, and fast response times.We pride ourselves on treating every loan as if it were our own, guiding clients through one of lifes most significant financial decisions with clarity and care. Our proven track record of success, supported by numerous client testimonials, reflects our dedication to building long-term trust and delivering exceptional service. As an independent lender, we maintain full control over underwriting, ensuring no surprises and a streamlined experience for our clients. Whether purchasing a first home or refinancing, Ross Mortgage remains committed to empowering clients with the tools and knowledge needed to achieve their homeownership goals.
Services
Mortgage Loans
Refinancing Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Cash-Out Refinance
Details
- Year established: 1949
Highlights and features
- We offer over 70 years of mortgage lending experience with personalized service.
- Our team provides fast response times and transparent communication.
- We maintain full underwriting control to ensure no surprises during closing.
- Our loan programs cater to diverse needs, including first-time homebuyers.
- We combine advanced technology with a customer-centric approach for seamless transactions.
What people say
Knowledgeable, kind and understanding
Smooth & pleasant experience
Exceptional support
Professional and prompt
Stress-free process
Services
Mortgage Loans
Ross Mortgage provides tailored mortgage solutions for first-time buyers and seasoned homeowners. Our experts guide clients through loan selection, ensuring competitive rates and clear terms. With decades of experience, we streamline the process from application to closing, prioritizing client needs and financial goals.
Refinancing Services
Our refinancing options help clients lower monthly payments, reduce interest rates, or access home equity. We evaluate individual financial situations to recommend optimal strategies, ensuring transparency and long-term benefits. Our team simplifies the refinance process with personalized support and timely execution.
FHA Loans
FHA loans cater to low-to-moderate-income borrowers with flexible credit requirements. We assist clients in navigating FHA guidelines, offering low down payment options and competitive rates. Our advisors ensure a smooth application process, making homeownership accessible to more families.
VA Loans
Designed for veterans and active military, VA loans provide zero-down payment options and favorable terms. Our specialists understand the unique needs of service members, offering dedicated support to secure financing that honors their service and financial well-being.
Conventional Loans
Conventional loans suit buyers with strong credit seeking flexible terms. We offer competitive rates and varied down payment options, tailored to individual financial profiles. Our team ensures a straightforward process, leveraging market expertise to meet client expectations efficiently.
People
Tim Ross
CEO
Tim Ross leads Ross Mortgage with a commitment to integrity and customer satisfaction. With decades of industry experience, he oversees strategic growth and maintains the company's founding principles of transparency and personalized service.
Michelle Meredith
Loan Officer
Michelle Meredith specializes in guiding first-time homebuyers through the mortgage process. Her expertise in loan programs and dedication to client education ensure a stress-free experience, earning consistent praise for responsiveness and clarity.
Gordie McDougal
Mortgage Advisor
Gordie McDougal provides personalized mortgage solutions with a focus on refinancing and home purchases. Known for his accessibility and market knowledge, he helps clients achieve financial goals through tailored strategies and timely support.
Jenny Miller
Loan Officer
Jenny Miller excels in streamlining the mortgage process for clients, ensuring clear communication and prompt responses. Her attention to detail and proactive approach have made her a trusted advisor for home purchases and refinancing.
Dustin Walker
Mortgage Specialist
Dustin Walker supports clients with expertise in loan approvals and refinancing options. His dedication to client satisfaction, combined with in-depth market knowledge, ensures a smooth transaction process tailored to individual financial needs.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, conventional, jumbo, and cash-out refinance loans tailored to meet diverse financial needs and homeownership goals.
How can refinancing benefit me?
Refinancing can lower your interest rate, reduce monthly payments, or provide cash for home improvements or debt consolidation, depending on your financial objectives.
What documents are needed for a mortgage application?
Typically, you'll need proof of income, tax returns, bank statements, and identification. Our team guides you through each step for a smooth process.
Are there options for first-time homebuyers?
Yes! We specialize in FHA loans and down payment assistance programs designed to make homeownership accessible and affordable for first-time buyers.
How long does the mortgage approval process take?
Approval timelines vary but typically take 30-45 days. Our team works efficiently to expedite the process while ensuring thorough underwriting.
Can I apply for a mortgage online?
Yes, our online application and mobile tools allow you to start the process anytime. A dedicated advisor will assist you throughout the journey.
