Creative Mortgage Solutions

Ready to purchase your Home?

Explore our innovative loan options and expert guidance to make buying a home easy.

Your Dream Home is Closer Than You Think!

Step-by-Step Guide to Buying a Home

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

It Takes only a minute

1: Getting Pre-Approved

Start your journey by getting pre-approved for a mortgage to understand your budget and show sellers you’re serious.

At Innovative Mortgage we offer free consultation and we never run your credit without your written authorization.

We make it a breeze

2: Finding Your Home

Our experienced agents will help you find the perfect home.

Click Bellow to browse listings or schedule a consultation with your local expert.

Search Homes for Sale

Luxury Homes

Save Thousands with our technology

3: Making an Offer

We’ll guide you through submitting a strong offer, negotiating, and ensuring you get the best deal.

Our Loan sifter picks the perfect loan for you

4: Securing Financing

Explore our wide range of mortgage options, including low to ZERO down payment loans and programs for first-time buyers

Use our expertise to avoid stress

5: Closing on your Home

Let’s face it, the closing process can be extremely stressful when you work with big banks and firms. However, at Innovative, we make the closing process smooth and hassle-free, with our experts handling all the details.

Tips and Advise for Buying a Home

Is it a good idea to buy a house in Florida?

Real estate has always proven to be a safe investment in Florida. Today's housing market in Florida has been experiencing an unprecedented growth and it's expected to continue. Currently, the median housing value in Florida is $415,000 and is expected to increase making Florida a great place to invest

How much money do I need to buy a house in Florida?

Usually, a mortgage lender in Florida requires 20% of the purchase price towards the down payment. In 2023, a Florida average home priced at $400,000 would requires $80,000 However, at Innovative Mortgage we offer all types of first time home buyer loans where we can help you buy a home with as little as 3% to no money down.

What qualifies as a first time home buyer in Florida?

To qualify for First Time Home Buyer programs with Innovative Mortgage, you must meet most of the following criteria:

1- Have a credit score of 580 or higher
2-Be a first-time homebuyer. (No home Ownership within the past 3 years)
3-Meet income debt to income criteria for the mortgage loan applied for
4-May have to take an online homebuyer education course.
5-Qualify for certain geographic or income or limits for certain loan programs..

What credit score is needed to buy a house in Florida?

580 or higher. Ideally, a borrower needs to have a FICO credit score of 620 or higher. However, thanks to our extended network of wholesale lenders, we are able to offer loans to mortgage borrowers with scores as low as 580.

Can I buy a house if I make 45000 a year?

It's very possible to buy a house if you make less than $50K.We offer our borrowers various first time home buyers incentives such as low-down-payment to zero down loans and down payment assistance programs to make homeownership within reach. But every borrower is unique and so are the loan scenarios.. The best way to know for sure if you qualify with a low income is to apply and provide us with the details of the house you want to buy to give you an exact answer.

Can you buy a house in Florida with no money down?

Although 2023 has seen the biggest jump of home prices more than ever before, it's still possible to purchase a home with no money down in Florida. At Innovative Mortgage we offer all types of mortgage loans that allow a borrower to buy a home with no money down, such as VA, USDA and even FHA loans. Apply with us today to find out which loan option is right for you.

Your Mortgage Approval is closer than you think

Our Mortgage Experts are available 7 days a week to answer any questions you may have and help you get a faster approval

Get Pre-qualified

Request a Quote

Buying or Selling: You'll save thousands with us.

I am Buying

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I am Refinancing

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I am Selling

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(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.