Discover Innovative Mortgage’s flat-fee model where you keep 100% of your commission. No splits, no caps — just simplicity and success.
Is Simple Better?
Simple Is Innovative
Why Complicate What Can Be Simple?
In the mortgage industry, too many brokerages make things unnecessarily complicated. They pile on tiered commission structures, production quotas, and fine print that keeps you from earning what you’ve worked for.
At
Innovative Mortgage, we’ve redefined what it means to be a loan officer. Our platform is built around simplicity, transparency, and freedom — so you can do what you do best:
help clients and get paid what you deserve.
Keep 100% of Your Loan Orignator Commission
No more frustrating commission splits, no confusing caps, no hidden math. When you close a loan, your commission is yours — 100% of it.
Our model eliminates unnecessary bureaucracy and lets you focus on production, not percentages. The only fee per file is a flat $595, plain and simple.
No Splits
You earned it — you keep it. Innovative Mortgage doesn’t take a percentage of your work.
No Tiers or Caps
There are no performance ladders to climb, and your income isn’t limited by arbitrary production goals. Whether you close one file or fifty, your earnings remain completely yours.
Flat Fee Model
With only a $595 file fee, you know exactly what to expect every time you close. No surprises, no hidden costs, no headaches.
More Lenders. More Options. More Closings.
Success in today’s market depends on access — access to products, lenders, and opportunities. Innovative Mortgage gives you all three with a network of 90+ lending partners, including major national programs:
- FHA, VA, and USDA government-backed loans
- Conventional products from Fannie Mae and Freddie Mac
- Jumbo and high-balance loans for luxury financing
- HELOCs for home equity solutions
- Commercial and
SBA lending for business clients
- Reverse mortgages for retirement planning
Whether your borrower is a first-time homebuyer or an investor with a complex portfolio, you’ll have the tools to compete — and win — in any market.
Work Smarter. Earn Faster. Live Better.
At Innovative Mortgage, you’re not bound by traditional office hours or micromanagement. You’re free to build your business on your terms.
Your Time, Your Rules
Set your own comp plans, price your loans competitively, and tailor your approach to fit your market and client base.
Get Paid Within 24 Hours
No waiting weeks for your money. Once your loan closes, your commission is processed lightning fast — typically within 24 hours.
Zero Admin Duties
We handle compliance, paperwork, and back-office processing so you can stay focused on relationships and results.
Real MLOs, Real Earnings
These aren’t projections — they’re actual results. Our loan officers have achieved incredible earnings with Innovative’s model:
- $118K on a single file
- $76K by another high-performing MLO
- $66K to $59K earned consistently across multiple files
Imagine keeping $118,175 from one loan — after the $595 file fee. That’s not a bonus or a fluke; it’s your commission, your reward for doing the work.
Join the Innovative Mortgage Team
Stop leaving money on the table. Join the loan officers who’ve already discovered how simple, transparent, and profitable mortgage lending can be.
When you join Innovative Mortgage, you get:
- Full access to 90+ lenders
- Lightning-fast payouts
- A simplified flat-fee structure
- No admin headaches
Take Control of Your Career
Visit innovativemlo.com/join to request more information and see how our model can help you achieve financial freedom — one file at a time.
Internal Links
External Link
Are you a mortgage originator looking for more support and better compensation? Interview us today and see if Innovative Mortgage Services, Inc. is a good fit for you.
Join Our Mailing List!
Subscribe To Blog
Quick Links
