Ross Mortgage Corporation

Ross Mortgage Corporation Ross Mortgage Corporation is a successful mortgage banking company. Equal Housing Opportunity
NMLS #107716
(351)

Founded in 1949, Ross Mortgage Corporation is a successful mortgage banking company with a reputation for professionalism, integrity and quality service. With its national headquarters in Troy, MI, Ross Mortgage is one of the top independent lenders in the Midwest and serves its valued customers though a network of offices located in Michigan, Kentucky and Florida. We combine more than 70 years of mortgage lending experience with state-of-the-art mortgage lending technology. As a full-service mortgage lender, Ross Mortgage delivers superior service and pricing to our customers because we possess underwriting authority and retain control over the entire transaction. What this means to you is that you can depend on us for competitive rates, quality service, fast response and no surprises. Through a proud association with a team of professionals committed to serving our customers with honesty and integrity, Ross Mortgage offers a wealth of unique, personalized home loans and mortgage related services. When you choose Ross Mortgage you will talk to real people who are experts in crafting mortgage solutions to best fit your needs.

Before touring listings, one smart step is to sort out any income details that could slow things down later. For example...
09/23/2026

Before touring listings, one smart step is to sort out any income details that could slow things down later. For example, a borrower using 1099s instead of W-2s may need extra documentation, and a self-employed buyer may be asked for 1040s or a longer paper trail. Getting that organized early helps avoid surprises after an offer is accepted.

For a service member with a steady W-2 history and a recent move, the practical step is to line up your VA entitlement p...
09/22/2026

For a service member with a steady W-2 history and a recent move, the practical step is to line up your VA entitlement paperwork before you shop. That keeps the conversation focused on occupancy rules, property condition, and what the lender still needs instead of scrambling after you find a house.

One myth that keeps homebuyers stuck is thinking a thin credit file matters more than every other factor. In practice, a...
09/21/2026

One myth that keeps homebuyers stuck is thinking a thin credit file matters more than every other factor. In practice, a borrower with steady W-2 income, a manageable debt load, and documented savings may be easier to review than someone with mixed deposits and missing paperwork, even if the second file looks stronger on paper.

One common mistake is focusing only on the upfront cash and ignoring the rest of the file. A first-time buyer using gift...
09/20/2026

One common mistake is focusing only on the upfront cash and ignoring the rest of the file. A first-time buyer using gift funds, for example, may need a gift letter and clear paper trail before underwriting can count it. That same buyer should also ask whether down-payment assistance can be paired with the loan type being used, since program rules can change what is allowed.

What often surprises self-employed buyers is that a thin file can be just as important as a strong one. If most of the c...
09/19/2026

What often surprises self-employed buyers is that a thin file can be just as important as a strong one. If most of the credit history comes from one old card and a recent auto loan, adding another account right before applying can create noise instead of strength. A better move is to review the mix early, then let existing accounts season while the mortgage paperwork is being assembled. See how it works. https://bit.ly/4fYZpM5

One common mistake is waiting until the end to talk about who pays the closing tab. For VA buyers, the cleaner move is t...
09/18/2026

One common mistake is waiting until the end to talk about who pays the closing tab. For VA buyers, the cleaner move is to ask your agent to request seller concessions in the offer and to confirm the lender's limits on allowable credits, especially if you also need help with prepaid items or lender fees.

A veteran using VA financing should start with the Certificate of Eligibility, then gather recent pay stubs or LES, a DD...
09/17/2026

A veteran using VA financing should start with the Certificate of Eligibility, then gather recent pay stubs or LES, a DD214 if needed, and any 1099s or W-2s. That checklist helps the file move faster when underwriting asks for income or service verification. Walk through the steps. https://bit.ly/4fAHqu3

A common mistake is fixing only the obvious stuff and leaving the details that buyers notice first: cluttered counters, ...
09/16/2026

A common mistake is fixing only the obvious stuff and leaving the details that buyers notice first: cluttered counters, dark rooms, and patchy touch-up paint. If a seller is getting objections during showings, a neutral repaint and a cleaner layout can make the home feel easier to move into before the conversation even gets to financing. Compare this to your situation. https://bit.ly/3TZlqlq

When a veteran has 1099 income, the fastest way to slow a VA file is to wait until underwriting asks for missing paperwo...
09/15/2026

When a veteran has 1099 income, the fastest way to slow a VA file is to wait until underwriting asks for missing paperwork. Gather the last two years of tax returns, year-to-date profit and loss details if self-employed, and bank statements that show how income is actually deposited. Clean documentation upfront helps the file move with fewer surprises.

One common mistake is waiting until after a home is chosen to sort out financing details. A better move is to ask which ...
09/14/2026

One common mistake is waiting until after a home is chosen to sort out financing details. A better move is to ask which path fits the file first: FHA for lower down payment flexibility, VA for eligible service members, or conventional if the profile is clean and the down payment is stronger.

Address

2075 W Big Beaver Road, Ste 700
Troy, MI
48084

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18777757088

Website

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