Mortgage Payment Mailing Address:
Affiliate Mortgage Services
PO Box 772138
Detroit, MI 48277-2138
Mortgage Origination
Mortgage Origination
The goal is long term, sustainable home ownership
A mortgage prequalification is the first step to determine the mortgage readiness of a prospective homebuyer. This can be done at the HFH homebuyer selection stage rather than waiting until the home has been built or rehabilitated and ready to close. After the homebuyer is pre-qualified, our origination staff maintains communication with them throughout the building process. Then, 60 to 90 days prior to the completion of the home, we complete a full mortgage application. We process and close the mortgage, maintaining open communications with the HFH Affiliate and the homebuyer while the home is constructed, and the homebuyer completes HFH’s sweat equity requirement. Our mortgage origination process is designed to ensure that when the house is complete the mortgage is finalized, and the homebuyer is ready to move in.
AMS can also help at the prequalification stage with solutions for applicants who may not yet qualify for a mortgage. We will remain available to these homeowners and the HFH Affiliate to help them be ready to reapply in the future.
AMS Will
Perform the prequalification
Complete the mortgage application
Process the loan
Underwrite the loan
Prepare the closing package
Assign the loan back to you after closing
HFH Affiliate Will
Have the entire process handled by compliant,
compassionate professionals
Receive the asset for your loan portfolio
Have a happy homeowner
what they’re saying
“Switching our mortgage servicing to Affiliate Mortgage Services (Habitat for Humanity Michigan Fund) was a smart move for us. With AMS handling the servicing of the mortgages, it frees staff up to focus on programs and building more houses. AMS is there to answer any questions we have and they are an absolute delight to work with.” – Jennifer Chappel, CEO at Midland County Habitat for Humanity
“It is remarkable that our mortgage delinquencies have gone from 39.8% to 13.3%. I can confidently say that our Board and myself feel partnering with Affiliate Mortgage Services was a logical and valuable decision. Their staff understands and embraces the Habitat Mission, which comes through in their service delivery to our partner families. Our Board of Directors is ecstatic with these numbers.” – Robert Oakleaf, Executive Director, Kalamazoo Valley Habitat for Humanity, Michigan
“We switched to AMS in 2018, and it was one of the best decisions we’ve made. It lifted the burden of delinquency management from our staff and AMS provides an excellent level of consistency to support our homeowners. I love that they understand Habitat homeowners and treat them with dignity, while helping them to be successful. They are professional and a pleasure to work with.” – Karla F., Controller, Black Hills Area Habitat for Humanity – Rapid City, South Dakota
“AMS has it covered! The added bonus of working with Affiliate Mortgage Services is their understanding of the compliance side of the business. The ever-changing federal and state regulatory requirements of mortgage servicing can be overwhelming, and it is great to know that our affiliate does not have to be consumed with it.” – Lakeisha Minor, Director of Homeowner Services, Habitat for Humanity of Durham North Carolina
“After more than a year of working with AMS, I can only say we should have done this sooner! Valuable staff time is freed up to focus on fulfilling our mission, and we have peace of mind knowing everything is being done correctly and in compliance with state and federal law. It’s a win for our partner families, and it is a win for our affiliate.” – John Tramm, Executive Director, Habitat for Humanity of Redwood River Minnesota
“Since moving to AMS, our homeowners pay earlier in the month, and as a result, our delinquency rate has dropped. AMS also takes on the burden of servicing compliance.” – Jimmy Rutland, President & CEO, Habitat for Humanity of Effingham County Georgia
Company NMLS #133758
