Not every borrower fits in a box.
Neither should their mortgage.
Self-employed. Commission income. Rebuilding credit. New to the country. If a bank read your file and said no, that was their checklist talking. We underwrite locally, by hand, in Farmington Hills.
Start with a number, not a form.
Four quick tools. No account, no credit pull — just the math, so you know where you stand before anyone calls you.
The files other lenders hand back.
A retail bank runs your file against one checklist. Miss a line, get a no, no explanation. Several of our loan officers spent years as underwriters — they know which program reads a file like yours correctly.
Not on this list? That's usually a good sign — bring us the part that makes it complicated.Send us a scenario →
Agency loans for simple files. Everything else for the rest.
Tap any program to see who it's built for and what it takes to qualify.
Ask which one fits →See it before you ask anyone.
From application to keys.
Five steps, typically 21 to 30 days once you're under contract. Tap a step to see what's actually happening.
A lender built by people who used to say no.
Several of our loan officers spent years as underwriters — the people on the other side of the desk, issuing the declines. They left because they kept seeing files that were fundable, just not by that lender's checklist.
SNS Home Loans is sixteen of us under one roof in Farmington Hills, licensed in Michigan, working in nine languages. We underwrite locally — which means when something in your file needs a second look, we walk down the hall and ask rather than waiting three days on an out-of-state queue.
Sixteen people who read the whole file.
Former underwriters, closers and processors under one roof. Tap anyone to read their background and reach them directly.
Mortgage answers, instantly.
Ask about buying, refinancing, loan programs, credit questions, payments, and your next step. Start at 2am — a real person picks it up in the morning.
Tell us what makes it complicated.
The part that got you a no somewhere else is the part we want to hear first. No credit pull to start.