Home Possible Mortgage

Empower Homeownership with Home Possible Mortgages

It's like having the government cosign for you. First-time homebuyers save thousands and enjoy tier 1 rates.

Minimum Credit Score

Not Calculated

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 offers the Home Possible mortgage, a lending solution from Freddie Mac designed to make homeownership more accessible to first-time homebuyers, low- to moderate-income borrowers, and those with limited cash for down payments.

Key Features of the Home Possible Mortgage through Innovative Mortgage:

  • Low Down Payment: As low as 3% down payment required, which can be a gift, grant, or Community Seconds®; no personal funds required.
  • Reduced Mortgage Insurance: Lower mortgage insurance coverage levels than most conventional loans, which can result in lower monthly payments.
  • Flexible Funding: Allows co-borrowers who do not live in the home, such as parents.
  • Income Limits: Borrower’s income must not exceed 100% of the area median income (AMI), but in low-income census tracts, there are no borrower income limits.
  • Credit Score Requirements: Minimum FICO of 620 to qualify for most Home Possible mortgages.
  • Property Types: 1-4 unit properties, condos, and planned-unit developments; manufactured homes are eligible with higher down payment.
  • Refinancing Options: Rate-and-term and no cash-out refinancing options are available for those who want to lower their interest rates or mortgage payments.

Why Choose the Home Possible Mortgage with Innovative Mortgage:

  • Homeownership Accessibility: The Home Possible mortgage aligns with our mission to bring homeownership within reach for a broader population.
  • Guidance and Support: Our experts can guide you through the entire process, ensuring you understand the financial benefits and responsibilities that come with a Home Possible mortgage.
  • Tailored Solutions: We strive to offer solutions tailored to individual financial situations, and our team will work with you to find the best mortgage options to fit your needs.

Start Your Journey to Homeownership:

If you’re interested in the Home Possible mortgage for your primary residence, Innovative Mortgage can help evaluate if it’s the right fit for your financial situation. We understand the importance of responsible lending and are dedicated to helping you make informed decisions about your home financing options.

Contact Innovative Mortgage today to discuss Home Possible mortgages and take that first step toward buying your home. Our dedicated team is here to support you with personalized service throughout your home buying journey.

Pros of Home Possible Mortgages


Government Co-signed

Home Possible Mortgages act like government co-signing for you, ensuring better terms.

Major Savings

These mortgages can save first-time homebuyers thousands over the life of the loan.

Tier 1 Rates

Enjoy the best rates available, making your monthly payments more affordable.

Cons of Home Possible Mortgages


Income Limitations

Home Possible loans have income limits that vary based on the location of the home.

Homeownership Education Requirement

Borrowers are required to complete a homeownership education course.

Key Issues That Will Get Early Attention

Determine Eligibility
We'll help you determine if you meet the income and homeownership education requirements for this program.
Review Loan Amounts
We'll help you understand the loan limits and your qualification amount to ensure this is the right fit for you.
Discuss Income Limitations
We'll guide you through the income requirements for Home Possible loans and help you determine if your income falls within these limits.
Understand Homeownership Education
We'll guide you through the homeownership education requirement, helping you find the right resources and understand what it entails.

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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