Lock in a Great Rate with Low Fees

Confidence to Close. Guaranteed.

If we can’t close your mortgage, we pay the seller $1K – no strings attached.

Pre Approval

Today’s housing market is among the most competitive in history, with double-digit sale price increases and a sharp drop in supply compared to pre-pandemic levels.

In a seller’s market where even the most modest of homes receive multiple offers, buyers need an edge to make theirs stand out.

That’s why we’re introducing the Guaranteed Pre-Approval from Ross Mortgage.

A Guaranteed Pre-Approval is a commitment to lend. It starts with a Ross Mortgage underwriter reviewing your income, assets and credit and approving you for the right sales price and loan amount. Since we verify your creditworthiness and approve the funds, the seller can accept your offer with the full confidence of getting the deal done.

But we don’t stop there. To confirm our commitment to lend, we put our money where our mouth is. If we can’t close the mortgage, we will pay the seller $1,000. Not a gimmick, just confidence in the way we do business.

Learn More About
Guaranteed Pre-Approval

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Trusted. Experienced. Secure.

Toni Thwaites and her team are the best! Very knowledgeable and very professional. They also were down to earth and very sensitive to our experience. We felt like Toni and her team were family.

- Fenton F.

Ready to find out more?

Helping you get your Dream Home

Whether you're looking for a vacation property, a first time buyer, or simply looking to refinance and save some money, we've got you covered. Our years of experience and knowledgeable, friendly associates will make it their goal to help you achieve yours.



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