Phone: 313.204.3008
NMLS: 385718
Email: TimRoss@RossMortgage.com
Tim is available to assist you:
- Five-star customer service,
- Great rates and on-time closings,
- Trusted guidance for all your home financing needs!
Thank you for the opportunity to earn your business.
About
Tim Ross is an experienced mortgage professional committed to helping individuals and families navigate the home financing process with confidence. With extensive industry knowledge and a client-first approach, Tim works closely with each borrower to understand their goals and identify financing options that fit their unique needs.
Tim believes a great mortgage experience starts with clear communication, personal attention, and being available when clients need guidance. From the initial conversation through closing, he takes the time to explain the process, answer questions, and help make what can feel like a complicated transaction as straightforward and comfortable as possible.
Whether working with first-time homebuyers, repeat buyers, homeowners exploring refinancing opportunities, or clients with more complex financing needs, Tim brings experience, responsiveness, and a solutions-oriented mindset to every transaction.
Licensed in multiple states, Tim is proud to serve as a trusted mortgage resource for his clients and referral partners, building relationships that extend well beyond the closing table.
Mortgage Lender Reviews
Home Loan Programs
Purchase
LoanPeople offers fast closings for purchase loans with constant communication to all parties throughout the loan process. We are grateful to serve you.
Refinance
Reasons to refinance: reduce rate and/or loan term, remove mtg. insurance (PMI), receive cash back for debt consolidation and home renovation.
FHA & USDA
LoanPeople offers incredible rates for government loan options including: FHA, USDA, and VA. Fast closings for purchase and refinance home loans.
Conventional
Conventional loans are the most common loan type in the U.S., offering low rates and fast closings for purchase and refinance home loans.
VA
VA loans offer 100% financing for veterans, servicemembers, and surviving spouses, with sufficient entitlement.
MSHDA
Approved lender for MSHDA down payment assistance programs. Reach out to get started!
Investor
LoanPeople offers investment property loans for borrowers with more than 20 financed loans. Purchase and refinance.
Jumbo
LoanPeople offers a wide array of jumbo products for purchase and refinance loans with higher home loan amounts.
Jumbo Investment
LoanPeople offers jumbo products, including for investment properties. Great rates, on-time closings.
Asset Qualifier
Loan products for customers using assets toward qualifying income calculation. Purchase and refinance loans.
Close in LLC
LoanPeople offers financing options for closing in an LLC. More products, more solutions, close on time. Purchase and refinance.
Non-QM
Non-QM loan products available for out-of-the-box financial situations. Purchase and refinance loans.
DSCR
Debt-Service Coverage Ratio (DSCR) products use rental income for loan qualification. Purchase and refinance.
Condos
In-house condo underwriting streamlines the loan process for condos new, old, and everything in-between.
Non-Warrantable
Loan options for non-warrantable condominiums with a smooth process for customers, agents, and developers.
Buy Before You Sell
Qualify for a new home loan with a guaranteed offer on your current residence.
2nd Liens
Wide range of options for transactions in need of a second loan balance.
Bank Statement
Loan products for transactions using bank statements to fulfill documentation requirements.
ITIN & Foreign National
Loan products for borrower(s) with ITIN and foreign national residencies.
Renovation
Home loan products for Conventional, FHA, VA and more reno solutions.
Community Lending
Participating Lender. We have experienced operations staff for this program!
Divorce Loans
Simple process using equity to “buy out” one party’s interest. Helpful in most divorce situations.
HELOC
Tap home equity for home repairs, education costs, debt consolidation & more solutions!
Manufactured Homes
Delegated UW products for manufactured home loans.