Your Best Friend in The Mortgage Industry

Honest Answers, Stress-Free Closings

Your Premier Lender in Birmingham

Toni Thwaites is your premier mortgage expert located in Birmingham, Michigan. She prides herself on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Birmingham area.


Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Toni can help you take that first step toward a financial solution.


Let us help you get your home today.


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Rated mortgage company in Birmingham
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Low Rates. Zero Hassles.

Toni Thwaites - Ross Mortgage

Start your home loan process here!

Toni Thwaites is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. She will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.


Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Toni can help you find the right loan program at the lowest rate no matter what your needs are.


Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA Loans are a great choice for first time home buyers, or those with credit and/or income challenges. Low 3.5% down payment, competitive interest rates, and affordable mortgage insurance are some key features that make this mortgage the perfect choice for some home buyers.

Refinance Loans

Whether planning an expensive trip, paying down debt, reducing your monthly mortgage payment, or putting a child thru college, a home loan refinance can be a great solution to many of life’s financial needs. Let your hard-earned equity work for you.

VA Loans

Ross Mortgage takes pride in serving our veterans. With our dedicated team of Veteran home loan specialists, we make sure our veterans are informed of all available home buying benefits. From 0% down payment, no mortgage insurance requirements, and extremely competitive interest rates, we are proud to service those who have and/or are serving.

Conventional Loans

So many options to choose from with conventional mortgage financing. From as little as 3% down with this customizable mortgage program, we can tailor towards the individual borrower. While this is popular for the more seasoned borrower, it is a great option for credit worthy first-time home buyers that have planned for their home buying journey as well.

Purchase Loans

From Conventional, FHA, VA, Jumbo, and renovation lending, we have you covered. Ross Mortgage has a team of dedicated mortgage professionals with 75+ years of experience, ready to find your right fit mortgage program and walk you thru from application to closing.

Jumbo Loans

Have your sights set on something a bit pricier? If your taste exceeds the government set limits placed on traditional mortgage programs, a Jumbo loan is the way to go. With increased purchasing power, we have you covered with a Jumbo mortgage.


NMLS #291301
Licensed in the state of MI.

Equal Housing Lender

Contact Us

Toni Thwaites - Ross Mortgage
280 N Old Woodward Ave
Suite 100
Birmingham, MI 48009
(248) 459-2089