Innovative Mortgage Services, Inc. offers a variety of loan programs to meet your needs. We work with the lending lenders in the industry to provide:

Conventional Mortgages 

Conventional Mortgage are the most common type of home loan.

A few of the benefits of a conventional mortgage are:

  • Loan amounts available up to $453,100
  • 10, 15, 20, 25, and 30-year terms available
  • Down payments as low as 3%
  • Rates can be fixed or Adjustable Rate Mortgages

FHA Mortgages

Federal Housing Administration Loans (FHA) were created to assist borrowers who may need a low-down payment and flexible mortgage guidelines.

  • Great for First Time Home Buyers!
  • 3.5% down payment required– Can be a gift!
  • Seller can contribute up to 6% of the borrower’s closing costs
  • Flexible mortgage guidelines

VA Loans

An excellent loan exclusively available to those that are currently serving or who have previously served in the U.S. military. Surviving spouse may be eligible, as determined by VA.

  • Must be a Veteran, Active Duty Military, or member of the Reserves
  • No monthly mortgage insurance
  • Seller concessions up to 4% of the reasonable value of the property
  • Up to 100% financing available
  • Flexible mortgage guidelines


A jumbo loan, also known as a jumbo mortgage, is a form of home financing for whose amount exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

  • Loans over $453,100
  • Minimum 720 credit score
  • Minimum 10% down payment required


USDA or rural development loan program provides low- and moderate-income borrowers with better affordable housing finance options with little or no down payment or out of pocket costs. The property must be located within a USDA designated area.

  • 100% financing available to qualified borrowers
  • Seller can contribute up to 6% of the borrowers closing costs


Reverse Mortgage Tap the equity in your home with a reverse mortgage. You can’t beat a mortgage that pays you for life! You can do a purchase reverse mortgage.