VA Loans

Empowering Veterans with Superior VA Loans

Offering the best VA loan rates from hundreds of lenders, we trump big players like Quicken, Better Mortgage and more.

550

Minimum Credit Score

41%

Maximum Debt To Income

100%

Maximum Loan To Value

$2M

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 is committed to addressing misconceptions about VA loans and providing veterans with the most affordable and suitable mortgage options. The key thing to remember is that while the VA guarantees the loan, it is the bank or lender that actually provides the financing, and not all VA loans are structured identically. Lenders have the flexibility to impose their own fees, charges, and overlays, which can affect the overall cost and terms of the loan.

Understanding VA Loan Variations:

Guaranteed, Not Provided by VA: The VA backs the loan, reducing the risk for lenders, but it’s the lender that sets the final terms, including interest rates and fees.
Lender Overlays: Similar to FHA loans, lenders may apply additional qualifications or requirements on top of what the VA requires. This could pertain to credit scores, debt-to-income ratios, and other factors.
Cost Differences: Each lender may have varying fees, closing costs, and interest rates, which can impact the affordability of the loan.

Advantages of Working with Innovative Mortgage for VA Loans:

When you choose to pursue a VA loan with Innovative Mortgage, here’s how we ensure you’re getting the best possibility available:

Extensive Network of Lenders: Leveraging our access to over 100 sources of capital, we thoroughly evaluate every VA loan quote to ensure you’re receiving the most competitive interest rates.
Client-Centric Approach: Our primary focus is on the needs and financial well-being of our veteran clients. We aim to find options that offer the maximum benefit to you, without unnecessary costs.
Transparency and Guidance: We believe in full disclosure regarding potential lender fees and charges, helping you understand the true cost of your VA loan.
Personalized Service: Our team takes the time to understand your specific circumstances, goals, and eligibility to tailor a VA loan that aligns with your objectives.

Embrace the Benefits of a VA Loan with Innovative Mortgage:

VA loans are an excellent benefit for veterans and service members, offering competitive rates, often with no down payment or private mortgage insurance required. However, it’s crucial to navigate the landscape with a knowledgeable partner who can help you make the most of this benefit.

Reach out to Innovative Mortgage to get started on your VA loan journey. Allow us to demonstrate the unique advantages of our approach and ensure that you receive a VA loan that’s not just any loan, but the right loan for you.

Pros of VA Loans

Zero Down Payment

VA loans require no down payment, making it easier for veterans to secure a home.

No PMI

With VA loans, you save on monthly expenses as no private mortgage insurance is required.

Competitive Interest Rates

We offer VA loans with better interest rates and fees compared to big mortgage companies like Quicken Loans or Rocket Mortgage.

Cons of VA Loans

VA Funding Fee

VA loans require a funding fee that can be financed into the loan amount.

Only for Veterans

VA loans are specifically for veterans, active-duty personnel, and some surviving spouses.

Key Issues That Will Get Early Attention

Verify Eligibility

Our team will help you confirm your eligibility for a VA loan, considering your service history and other factors.

Review Loan Amounts

We'll review the VA loan limits and your qualification amount to ensure this option suits your home buying needs.

Discuss VA Funding Fee

We'll talk about the VA funding fee and how it affects your overall loan cost and monthly payments.

Explore Other Loan Options

If a VA 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

"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.