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Eligible Properties:

  • Homes Must be one year or older
  • Single Family dwellings
  • Condominiums and PUDs
  • 1-4 unit residences
  • Units can be increased or decreased while conforming to local zoning laws
  • Seller can be any legal entity
  • The renovation loan is only available up to the conforming limit of $726,200. Not available on Jumbo loans.


  • There are no borrower income limits
  • Borrower qualifies per normal loan guidelines
  • Loan can be up to FHA or Conventional Limit
  • Borrower minimum investment is 3.5%-5% of purchase repairs
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Toni helped me get a approved for a loan on a home I really wanted. Toni and her team was fast and gave me the best rates. I would definitely recommend Toni and her team to anyone looking for a mortgage.

- James S.

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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