FHA Loans

Better Than Big Names, Shopped from Hundreds!

At Lightning Loans, our FHA Loans get you the best rates from hundreds of lenders, bypassing the high costs of Quicken, Better Mortgage and others.

Minimum Credit Score


Maximum Debt To Income


Maximum Loan To Value


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.

Innovative Mortgage, through our Lightning Loans division, understands the nuances and common misconceptions surrounding FHA mortgages. It’s essential to recognize that not all FHA loans are created equal, and various lenders can indeed apply their own set of rules, known as overlays, to the basic guidelines provided by the Federal Housing Administration (FHA).

Clarifying FHA Loan Variations and Overlays:

  • FICO Score Requirements: Some lenders might set their minimum FICO score for an FHA loan at 640, while others may accept borrowers with scores as low as 600, or even lower.
  • Lender Overlays: Each lender can impose additional criteria for loan approval on top of the FHA’s standards, such as lower debt-to-income ratios, higher credit score requirements, or a larger down payment.
  • Cost Differences: The fees associated with FHA loans can vary significantly from one lender to another. This includes origination fees, closing costs, and the overall cost of the mortgage over its term.

Why Choose Lightning Loans by Innovative Mortgage for FHA Financing:

When you come to Lightning Loans by Innovative Mortgage for your FHA financing needs, you can expect a comprehensive approach that seeks out the most favorable terms for you:

  • Competitive Environment: We meticulously compare offerings from lenders A, B, C, D, and E, ensuring you’re presented with competitive rates and terms that align with your financial situation.
  • No Stone Unturned: Our dedicated team works diligently to uncover the best FHA loan options, taking into account any potential lender overlays that might affect your qualification or the cost of the loan.
  • Client-Centered Service: At Innovative Mortgage, we prioritize understanding your unique needs and circumstances, striving to match you with an FHA loan that minimizes costs and maximizes benefits.
  • Transparency and Education: We aim to demystify the FHA loan process, educating you on the potential variations among lenders and guiding you to make informed decisions.

Empower Your Homebuying Journey with Lightning Loans:

Securing an FHA mortgage through Lightning Loans by Innovative Mortgage goes beyond finding a one-size-fits-all solution. We pride ourselves on being meticulous in our search for the best possible mortgage for you, with the added benefit of empathetic, personalized service.

Contact Innovative Mortgage today to explore your FHA loan options with Lightning Loans. Let us help you navigate through the diverse FHA lending landscape to find a mortgage that’s the perfect fit for your homeownership goals.

Pros of FHA Loans


Low Down Payment

With FHA loans, you only need a 3.5% down payment to secure your mortgage.

Lenient Credit Requirements

Even with a credit score as low as 580, you can still qualify for an FHA loan.

Rate Advantage

We offer FHA loans at lower interest rates and fees compared to big mortgage houses like Quicken Loans or Rocket Mortgage.

Cons of FHA Loans


Mortgage Insurance

FHA loans require both an upfront and annual mortgage insurance premium.

Loan Limits

The maximum amount you can borrow with an FHA loan is determined by the county in which you live.

Key Issues That Will Get Early Attention

Verify Eligibility
Our experts will help you determine your eligibility for an FHA loan, considering your credit score, down payment, and other factors.
Review Loan Amounts
We'll review the FHA loan limits in your area to ensure this option fits your home buying or refinancing needs.
Discuss Mortgage Insurance
While FHA loans require mortgage insurance, we'll discuss how this affects your monthly payments and long-term costs.
Explore Other Loan Options
If an FHA loan doesn't seem like the right fit, we have many other mortgage options to explore.

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

Here's what you get when you apply with Lightning Loans by Innovative Mortgage

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.

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