Conventional Mortgage

Skip the Big Names, Opt for Big Savings!

Experience Superior Rates with Lightning Loans Conventional Mortgage.

620

Minimum Credit Score

45%

Maximum Debt To Income

97%

Maximum Loan To Value

$720k

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

When it comes to securing traditional financing for your home or investment property, Innovative Mortgage offers a robust conventional loan program. Here’s what you can expect when working with Innovative Mortgage and our Lightning Loans division for conventional mortgage solutions:

Customized Lending Experience with Competitive Rates:

With access to over 100 sources of capital, we ensure a competitive environment that’s tailored to your specific lending scenario.
Our goal at Innovative Mortgage is to secure the best available rates and terms for you, thanks to our vast network of financial resources.

Program Benefits and Features:

Loan Diversity: Whether you’re buying a new home, refinancing, or accessing equity, we have a range of conventional loan options to meet your needs.
Loan Terms: Choose from various terms to match your financial goals, with both fixed-rate and adjustable-rate mortgage options.
Loan-to-Value (LTV) Ratios: We offer high LTV ratio loans, and while new bank regulations have impacted risk appetite for some lenders, our private debt funds allow us to stay competitive in the conventional lending space.

Empathetic and Attentive Service:

We listen. Our team is committed to understanding your unique situation and works diligently to find the most favorable solution for you.
We guide you every step of the way, providing clear communication and straightforward answers to your questions.

Solutions for Various Property Types:

Our conventional loans are not limited to single-family homes; we also finance multifamily properties, commercial real estate, and more.

Streamlined Process:

The application process is designed to be as easy and stress-free as possible, with a focus on friendly service throughout your mortgage journey.
For properties that require a more traditional approach to financing, our conventional loans offer the stability and predictability you need.

Engaging with Lightning Loans by Innovative Mortgage:

Innovative Mortgage’s Lightning Loans division is your advocate in the conventional loan process. We not only strive to provide competitive pricing but also a compassionate and comprehensive service experience that’s unrivaled.

If you’re considering a conventional loan for your next real estate venture, connect with us at Innovative Mortgage. Let our Lightning Loans division create a competitive environment for your financing needs, ensuring you receive optimal rates and terms with a level of service that makes the entire process enjoyable.

Reach out to Innovative Mortgage today to discuss your conventional loan options and let us illuminate the path to your financial success.

Pros of Conventional Mortgages

Low Interest Rates

Enjoy some of the lowest interest rates in the market.

Flexible Down Payment

As low as 3% down payment, making homeownership accessible to more people.

Lowest Closing Cost Option

Conventional loans often have the lowest closing costs compared to other loan types.

Cons of Conventional Mortgages

Higher Credit Score Requirements

Generally, you'll need a good credit score to qualify for a conventional loan.

Stringent Approval Process

The approval process can be more demanding compared to other loan types.

Key Issues That Will Get Early Attention

Check Credit Score

We'll review your credit score to ensure you qualify for a Conventional Mortgage.

Understand Loan Details

We'll explain all the details, including interest rates, down payment, and first-time home buyer programs.

Prepare Necessary Documentation

We'll guide you through gathering the necessary documents for a smooth application process.

Explore Your Options

Let's consider all your loan options to ensure a Conventional Mortgage is the best fit for you.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.