Ready To BUY?

Make Today's Dream Home Tomorrow's Smart Investment

Start Building Equity with Lightning Loans. Don't just rent—invest in your future home now. We make refinancing seamless and fee-free, ensuring your investment grows smarter over time.*

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

Purchase Mortgage

Unlock More Options with Our Unique Lender Advantage

As Direct Correspondent Lenders, We Offer Unparalleled Flexibility and Choice in Your Mortgage Journey

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.

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.

A Few Of Our 100+ Funding Partners. May The Best Win...

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 No Tax Return Mortgage Options
Multiple JUMBO LOAN 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.

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.


Application Process

How does your service streamline the mortgage application process?

We have a fully digital online application process that will make streamline your experience. If you are not good with technology or prefer a human touch a loan officer is standing by to guide you on this journey.


Approval Process

How do you ensure I get the best mortgage option for my needs?

Once we have a completed mortgage application our technology will allow us to shop hundreds of lenders and thousands of loan programs. We call it a "Pricing Engine" and it allows us to consitently beat the big guys and local banks saving you thousands of dollars in the process.


Down Payments

How much down payment do I need to get a mortgage?

The answer to this question will vary depending on all the ciurcumstances. For example, if you are a 1st time home buyer with an income 120% or less of the median income for your area... there are 4 or 5 different ways to do it with 0% down. Click the button give us a bit of info and we can give you more accurate info specific to your situation,


Pre Approval

Do I need a lot of paperwork to get pre-approved?

Absolutely not! We can give you a very good idea without ANY paperwork or even pulling credit. We strongly recommed that you click the button on this page a submit an inquiry form so we can provide a quote tailored to you and your circumstances.


Not answered above?

If you would rather talk to a human and get your questions answers directly click the button below and give us a call.

Empower Your Mortgage Journey with Us

Discover the Advantage: Seamless, Personalized, and Empowering Mortgage Solutions Tailored to Your Unique Needs.

🔒No Credit Pull, No Obligation.

Seraphinite AcceleratorOptimized by Seraphinite Accelerator
Turns on site high speed to be attractive for people and search engines.