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Looking to  buy a home, refinance your mortgage to lower payments, reduce the term or cash out your equity? 

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We’ll beat any legitimate quote you may get from your bank!

When your Bank Says No, We Say Yes!

One Lender, Thousands of loan options.

Innovative Mortgage is with you every step of the way, from loan application to closing on your home.

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Tailored Mortgage Solutions

Local Expertise

Fast and Efficient Process

Competitive Rates and No junk Fees

Personalized Customer Service

Wide Range of Loan Products

Proven Track Record

CONVENTIONAL LOANS

Common home loans: 620 credit score, and Down payment as little as 1%

USDA LOANS

For first time home buyers with $0 Down payment for rural properties

FHA LOANS

For first-time home buyers, 3.5% down payment and looser terms

COMMERCIAL & DSCR

DSCR Loans, Multifamily, office buildings, retail properties...

VA LOANS

Government loans with Zero money down and lower rates

JUMBO LOANS

Loan limits greater than Fannie Mae & Freddie Mac loan limits

Some of our popular Loans

We use AI and cutting-edge technology to sift through thousands of loan products.

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Save Thousands

Get the loan you deserve.

Innovative Mortgage offers you the most affordable loan options.

You receive flexible loan terms and creative financing solutions to allow you to tailor your Home loan to fit your budget.

Gert Prequalified

Avoid costly mistakes

One-Stop Shop Saves You Money and Headaches.

Check Your Eligibility

We're here when you need us online or in person

From Application to Closing, We 're with You.

First Time Home Buyer?

Innovative Mortgage has your back

Start your application to check your eligibility. Applying online only takes minutes and we will hold your hand till you get your dream home. We even get you the money for your down payment in most cases!

TESTIMONIALS

See why our customers love working with us.

We are passionate about helping people and we treat everyone as a VIP

Bianca Contreras Repeat borrower Referral

We are grateful and happy with the service that Mr. Brahim provided us, we recommend his services and we appreciate his professionalism & dedication

Dylan Reinsel First time buyer/ Repeat Client

Brahim made our home finding, buying and financing super easy! His care for his clients is second to none! I recommend his service without reservation.

Hyrro Machado Veteran Borrower

Special thank you to Brahim El Hanchi. This was our first home purchase and it was truly a great learning experience. My family and I are truly grateful and happy.

Tommy B Repeat Client

... the complexities of both selling and buying a house. Without the help and knowledge that Brahim Elhanchi provided us, we would still be in our old home.

Luisa Rodriguez Repeat Client

Always on top of tasks and actions needed. Very diligent and always looking out for my well being in every steps of the transactions . I will choose him again

Mr.Harold Repeat Client

Brahim was a blessing, dedicated to what he does and his knowledge is second to none. Very informative and impressive. Very satisfied!

Mss. Fofo First Time Buyer/ Referral

My experience with Brahim was by far the most amazing process. He took all my needs and turned them into reality. The process was so smooth I’m still left in awe. I would highly recommend his services
Dalton Johnson First Time Buyer/ Referral

Brahim made the process so easy for us. He was always quick to answer any questions, extremely knowledgeable, honest, and got us the best deal possible. We highly recommend him
Kenia Turcios First Time Buyer

Simply the best, an excellent team with high moral values. Brahim, God bless you and multiply what you do to help other people. Blessings
James Starks First Time Home Buyer

Brahim assisted us buy a dream home he’s very patient easy-going laid-back. we can’t thank him enough I look forward to doing business with him again.

Ramon / Jherusa Happy Client

A very straightforward person!!!!!!!!!! If he can do it, he will tell you that he can do it and he will do it. The man really does not make any false promises, We appreciate him!
Monique Smith First Time Home Buyer

Brahim helped me to get my credit score up (30 points in 1 month). Also, they paid my closing cost! I would recommend him to my friends and family.

Paul Bower Designation

Brahim was patient, extremely attentive, and offered sound advice during the entire process. I’m so glad I listened to Brahim!!! I would highly recommend him

FAQs

What is a mortgage loan?

A mortgage loan is a type of loan used to purchase or refinance a home. The property itself acts as collateral, and the borrower repays the loan with interest over a set period, typically 15 or 30 years.

How much can I borrow for a mortgage?

The amount you can borrow depends on various factors, including your income, credit score, debt-to-income ratio, and the value of the property you wish to purchase. Lenders assess these factors to determine your loan eligibility.

What credit score do I need to qualify for a mortgage?

Most conventional mortgage loans require a minimum credit score of around 620. However, FHA loans may be available with scores as low as 580, and some lenders offer programs with more flexible requirements.

What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?

A fixed-rate mortgage has a consistent interest rate and monthly payments throughout the loan term. In contrast, an adjustable-rate mortgage (ARM) has a variable interest rate that may change after an initial fixed period, potentially resulting in lower or higher monthly payments.

What is mortgage pre-approval, and why is it important?

Mortgage pre-approval is an evaluation by a lender to determine how much you can borrow based on your financial information. It gives you a clearer picture of your budget and strengthens your offer when buying a home.

What is mortgage pre-approval, and why is it important?

Mortgage pre-approval is an evaluation by a lender to determine how much you can borrow based on your financial information. It gives you a clearer picture of your budget and strengthens your offer when buying a home.

What is private mortgage insurance (PMI)?

PMI is a type of insurance required by lenders if your down payment is less than 20% of the home’s purchase price. It protects the lender if you default on the loan, and it can typically be removed once you've paid down enough of the loan.

Can I refinance my mortgage?

Yes, refinancing allows you to replace your current mortgage with a new one, often with better terms such as a lower interest rate or different loan duration. Refinancing can also be used to access home equity or switch between fixed and adjustable rates.

What are closing costs, and how much should I expect to pay?

Closing costs are fees associated with completing a real estate transaction, including appraisal fees, title insurance, attorney fees, and more. They typically range between 2% and 5% of the loan amount, depending on your location and loan type.

Why Choose Brahim El Hanchi witn Innovative Mortgage?

Brahim's satisfied clients and successful loan closures speak for themselves. With over 20 years of experience in the real estate and mortgage industry and a strong reputation in the community, we’ve built trust by consistently delivering results.

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Call or text: 407-764-0064

(407) 764-0064

About Us

We strive to deliver the highest levels of service to help you reach your goals. We thank you for your trust and support. From the first call to closing, our team is with you every step of the way!

Innovative Mortgage Services, Inc.

NMLS# 250769

MLO NMLS#1810783. 

Loan Options

FHA
VA Loans
USDA Loans
FHA VA Streamline
Reverse Mortgages
Commercial
Heloc

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Real Estate Agents

Corporate Office:

17717 Hunting Bow Circle, Unit 101 Lutz, Fl. 33558

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