# Innovative Mortgage Services, Inc Successfully capture and write more business on Innovative's 100% compensation platform. Set your own compensation. Learn More. ## Pages - [bryan-ehrlich](https://www.innovativemlo.com/mlos/kashelladrew/bryan-ehrlich) - [andrew-kashella](https://www.innovativemlo.com/mlos/kashelladrew/andrew-kashella) - [jim-markham](https://www.innovativemlo.com/mlos/kashelladrew/jim-markham) - [bryan-ehrlich](https://www.innovativemlo.com/mlo-directory/bryan-ehrlich) - [andrew-kashella](https://www.innovativemlo.com/mlo-directory/andrew-kashella) - [jim-markham](https://www.innovativemlo.com/mlo-directory/jim-markham) - [New Jersey Branch](https://www.innovativemlo.com/new-jersey): Innovative Mortgage offers three compensation plans. Each plan empowers loan originators to elect and modify their compensation quarterly. Originators can also modify their plan quarterly as well. Learn More. - [Thank You Affiliate Packet Link](https://www.innovativemlo.com/thank-you-affiliate-packet-link): Thank you for contacting us! A representative will respond within 24 business hours. Reach out if you need immediate assistance. - [Maryland Page](https://www.innovativemlo.com/maryland-page): Innovative Mortgage offers three compensation plans. Each plan empowers loan originators to elect and modify their compensation quarterly. Originators can also modify their plan quarterly as well. Learn More. - [Home](https://www.innovativemlo.com/): Successfully capture and write more business on Innovative's 100% compensation platform. Set your own compensation. Learn More. - [Processing](https://www.innovativemlo.com/processing-innovative-mortgage-services-inc): Our processing partners are part of our promise to stay innovative. Processing companies operate as third-party vendors - [Team](https://www.innovativemlo.com/team-innovative-mortgage-services-inc): Innovative Mortgage Services supports 100s of loan originators and mortgage brokers. Below are some of the common questions. - [Compensation](https://www.innovativemlo.com/compensation-innovative-mortgage-services-inc): Innovative Mortgage offers three compensation plans. Each plan empowers loan originators to elect and modify their compensation quarterly. - [Partners](https://www.innovativemlo.com/support-innovative-mortgage-services-inc): Innovative Mortgage supports our loan originators with QM/Conventional, Jumbo, VA, USDA, FHA Forward, Reverse Mortgages, Non-QM/ALT-A, and Commercial loan options. Learn More. - [Investors/Lenders](https://www.innovativemlo.com/investors-lenders-innovative-mortgage-services-inc): Innovative Mortgage equips loan originators with multiple lending sources. Originators can broker business to over fifty wholesale lenders. Originators can also write retail loans on Innovative's correspondent channel. Learn More. - [Products](https://www.innovativemlo.com/products-innovative-mortgage-services-inc): All these products are available on both our correspondent and broker channels. Learn More. - [Resource Center](https://www.innovativemlo.com/resource-center): Can't find what you are looking for? Give us a call 727-372-8059 and we will make sure you have the resources you need! - [Loan Officer Pay Raise Calculator](https://www.innovativemlo.com/loan-officer-pay-raise-calculator): Calculate your pay raise potential as a Loan Officer with Innovative Mortgage Services, Inc. See how much more you can earn by switching to our brokerage. - [News](https://www.innovativemlo.com/news): See what is changing for Loan Originators and Mortgage Brokers. - [State License Designations](https://www.innovativemlo.com/state-license-designations): Find state license designations for Innovative Mortgage Services, Inc. | Mortgage brokerage for loan officers. - [Contact](https://www.innovativemlo.com/contact-innovative-mortgage-services-inc): Need a phone number? Address? Email? Click to contact us. - [Join](https://www.innovativemlo.com/join-innovative-mortgage-services-inc): Joining Innovative is simple and fast. Complete the request form below and we will forward you an affiliate packet. - [About](https://www.innovativemlo.com/about-innovative-mortgage-services-inc): Opportunity to efficiently and responsively write a multitude of financial products for their clients. Learn More. - [MLO Directory](https://www.innovativemlo.com/mlo-directory): Connect with top loan officers & access over 75 lenders. Start your mortgage application today! - [FAQ](https://www.innovativemlo.com/FAQ-innovative-mortgage-services-inc): It PAYS to be Innovative. See some of the common questions we are asked before and during the onboarding process. Learn More. - [Thank You for Contacting Us](https://www.innovativemlo.com/thank-you-for-contacting-us): Thank you for reaching out! We will respond soon. Meanwhile, check our FAQs for quick answers. - [Colorado Branch](https://www.innovativemlo.com/colorado): Innovative Mortgage offers three compensation plans. Each plan empowers loan originators to elect and modify their compensation quarterly. Originators can also modify their plan quarterly as well. Learn More. - [Thank You](https://www.innovativemlo.com/thank-you): Thank you for your interest in our mortgage brokerage. We will confirm your interview soon. Check our FAQs for more information. - [Ohio Branch](https://www.innovativemlo.com/ohio): Innovative Mortgage offers three compensation plans. Each plan empowers loan originators to elect and modify their compensation quarterly. Originators can also modify their plan quarterly as well. Learn More. - [Referral](https://www.innovativemlo.com/referral): Refer clients to our mortgage brokerage. Complete the form for prompt follow-up on urgent loan needs. - [Terms of Use](https://www.innovativemlo.com/terms-of-use): Florida corporation providing mortgage brokerage services for Loan Officers. By visiting and/or using this Website, you agree to be bound by these Terms of Use. ## Blog Posts - [MLO Commission Delays: Get Paid Faster](https://www.innovativemlo.com/mlo-commission-delays-get-paid-faster) - [MLOs: Access Every Mortgage Product | Innovative Mortgage](https://www.innovativemlo.com/mlos-access-every-mortgage-product-innovative-mortgage) - [275 Basis Points: The Truth About Loan Officer Pay](https://www.innovativemlo.com/275-basis-points-the-truth-about-loan-officer-pay) - [Innovative Mortgage: Modern Origination for LOs](https://www.innovativemlo.com/innovative-mortgage-modern-origination-for-los) - [Dunedin Mortgage Journey: Overcome "What If?" Fear](https://www.innovativemlo.com/dunedin-mortgage-journey-overcome-what-if-fear) - [Remote Mortgage Career: Innovative Mortgage](https://www.innovativemlo.com/remote-mortgage-career-innovative-mortgage) - [Innovative Mortgage: No Quotas, Unlimited Earning](https://www.innovativemlo.com/no-quotas-unlimited-earning) - [24-Hour Mortgage Funding: Get Paid Faster](https://www.innovativemlo.com/24-hour-mortgage-funding-get-paid-faster) - [MLO Referral Program: Earn Passive Income](https://www.innovativemlo.com/mlo-referral-program-earn-passive-income) - [The $695 Flat Fee Game Changer: More Money for Loan Officers](https://www.innovativemlo.com/the-695-flat-fee) - [MLOs: Get More Clients with Better Rates & Terms](https://www.innovativemlo.com/mlos-get-more-clients): MLOs: Get More Clients with Better Rates & Terms - [Mortgage Referral Residual Income: Projecting Your 10-Year Earnings as an MLO](https://www.innovativemlo.com/10-year-mortgage-referral-income) - [Unlock Passive Income: The Innovative Mortgage MLO Referral Residual Program](https://www.innovativemlo.com/unlock-passive-income): Passive Income for MLOs: Referral Residual Program - [Unlock Residual Income: A Mortgage Pro's Guide to Financial Security](https://www.innovativemlo.com/mlo-residual-income): Residual Income Program for Mortgage Loan Originators - [Mortgage Success by Wanting Less](https://www.innovativemlo.com/mortgage-success-by-wanting-less): Mortgage Success by Wanting Less - [Top 5 Mortgage Questions & A Smarter Sales Strategy](https://www.innovativemlo.com/top-5-mortgage-questions-a-smarter-sales-strategy) - [Innovative Mortgage MLO Referral Residual Program](https://www.innovativemlo.com/referral-program) - [Break the Routine in Your Mortgage Career](https://www.innovativemlo.com/your-mortgage-career) - [Simple Is Innovative | Keep 100% of Your Commission](https://www.innovativemlo.com/keep-your-commission) - [How a Government Shutdown Impacts Mortgages](https://www.innovativemlo.com/shutdown-impacts-mortgages) - [MLOs, What to Tell Clients When the Fed Cuts Rates](https://www.innovativemlo.com/mlos-what-to-tell-clients-when-the-fed-cuts-rates) - [Affordable Housing Loans for Loan Officers](https://www.innovativemlo.com/affordable-housing-loans-for-loan-officers) - [Winning Mortgage Sales in the Age of AI](https://www.innovativemlo.com/overcome-ai) - [Realtor-Friendly Pre-Approvals with Arive](https://www.innovativemlo.com/realtor-friendly-pre-approvals-with-arive) - [Top Challenges Facing Mortgage Loan Officers](https://www.innovativemlo.com/top-challenges-facing-mortgage-loan-officers) - [Freedom & Opportunity as a Remote Loan Officer](https://www.innovativemlo.com/freedom-opportunity-as-a-remote-loan-officer) - [MLOs, Grow Your Business in a Market Slowdown](https://www.innovativemlo.com/mlos-grow-your-business-in-a-market-slowdown) - [The Real Math Behind MLO Earnings at Innovative Mortgage](https://www.innovativemlo.com/the-real-math) - [Best Mortgage Broker for Loan Originators](https://www.innovativemlo.com/best-mortgage-broker-for-loan-originators) - [Stop Losing Loans Over Your Rate Sheet](https://www.innovativemlo.com/stop-losing-loans-over-your-rate-sheet) - [Dream Mortgage Loan Officer Job | Innovative Mortgage](https://www.innovativemlo.com/dream-mortgage-loan-officer-job-innovative-mortgage) - [Boost Your Mortgage Career with No Overlays and Better Rates](https://www.innovativemlo.com/no-overlays-and-better-rates) - [The Current Mortgage Market and How MLOs Stay Ahead](https://www.innovativemlo.com/the-current-mortgage-market) - [MLOs, Stop Losing Money with Retail Lenders – Make More Today](https://www.innovativemlo.com/make-more-today) - [Ready to Keep More of Your Loan Revenue? Here’s How!](https://www.innovativemlo.com/your-loan-revenue): Keep More of Your Loan Revenue – Innovative Mortgage - [In One Week, One MLO Earned $151,000+ in Commissions](https://www.innovativemlo.com/maximize-mortgage-commissions-with-innovative-mortgage) - [Why 2025 Is a Huge Opportunity for Mortgage Loan Originators](https://www.innovativemlo.com/why-2025-is-a-huge-opportunity-for-mortgage-loan-originators) - [Thriving in a High-Rate Mortgage Market | Loan Originator Tips](https://www.innovativemlo.com/thriving-in-a-high-rate-mortgage-market-loan-originator-tips) - [Yes You ZEN!](https://www.innovativemlo.com/yes-you-zen) - [I'm not moving there . . .](https://www.innovativemlo.com/i-m-not-moving-there) - [Happy Holidays from Innovative Mortgage](https://www.innovativemlo.com/happy-holidays-from-innovative-mortgage) - [A Bear of a Reminder: Mortgage Loan Originators Must Be on the Lookout](https://www.innovativemlo.com/a-bear-of-a-reminder-mortgage-loan-originators-must-be-on-the-lookout): A Bear of a Problem: Fraud and Misrepresentation - [Unlock Positive Sentiment: How Innovative Mortgage Services, Inc. Supports Loan Originators](https://www.innovativemlo.com/unlock-positive-sentiment-how-innovative-mortgage-services-inc-supports-loan-originators): Harsh Work Environment? Unlock Positive Sentiment. - [Mortgage Rates Drop to 6.69%: A Glimmer of Hope for Mortgage Loan Originators](https://www.innovativemlo.com/mortgage-rates-drop-to-6-69-a-glimmer-of-hope-for-mortgage-loan-originators): A Glimmer of Hope for Mortgage Loan Originators - [The Housing Dumpster Fire: How Innovative Mortgage Services is Revolutionizing Affordability](https://www.innovativemlo.com/the-looming-crisis-in-home-insurance-how-innovative-mortgage-services-is-revolutionizing-affordability): The Looming Housing Crisis: Revolutionizing Affordability - [The Best Brokerage for MLO Success](https://www.innovativemlo.com/2025-the-best-brokerage-for-mlo-success) - [Federal Rate Cut: What's the 2025 Terminal Rate?](https://www.innovativemlo.com/federal-rate-cut-what-s-the-2025-terminal-rate) - [A whole other level of lactose intolerance!](https://www.innovativemlo.com/a-whole-other-level-of-lactose-intolerance) - [Fed Cuts Rates Again: Impact on Mortgage Industry](https://www.innovativemlo.com/rate-drops-in-fed-future): Fed Cuts Rates Again: Impact on Mortgage Industry - [2025 Mortgage Sales Production Opportunities](https://www.innovativemlo.com/the-year-ahead) - [Are You Ready for the Next Mortgage Refi Boom?](https://www.innovativemlo.com/are-you-ready-for-the-next-mortgage-refi-boom) - [Disaster Relief Options for Hurricane Milton Victims](https://www.innovativemlo.com/disaster-relief-options-for-hurricane-milton-victims) - [Mortgage Fraud Rises Amid Slow Home Sales](https://www.innovativemlo.com/mortgage-fraud-rises-amid-slow-home-sales) - [Cat Teaches Kitten House Rules in Adorable Video](https://www.innovativemlo.com/cat-teaches-kitten-house-rules-in-adorable-video) - [Mortgage Rate Dip Sparks Housing Market Surge | Innovative Mortgage](https://www.innovativemlo.com/mortgage-rate-dip-sparks-housing-market-surge-innovative-mortgage): Mortgage Rate Dip Sparks Housing Market Surge - [Fortune Favors the Brave—And So Does Innovative Mortgage](https://www.innovativemlo.com/fortune-favors-the-braveand-so-does-innovative-mortgage): Make a Bold Move to Success with Innovative Mortgage - [Are Nearby Pickleball Courts a Real Estate Win or Loss?](https://www.innovativemlo.com/are-nearby-pickleball-courts-a-real-estate-win-or-loss) - [Mortgage Payments Now Lower Than Rent in 22 Major U.S. Cities](https://www.innovativemlo.com/mortgage-payments-now-lower-than-rent-in-22-major-u-s-cities) - [HUD Expands Housing Counseling Services for More Americans](https://www.innovativemlo.com/hud-expands-housing-counseling-services-for-more-americans) - ["Wolf of West Virginia" Real Estate Scam - "pretty good f—ing profits"](https://www.innovativemlo.com/wolf-of-west-virginia-real-estate-scam-pretty-good-fing-profits): "Wolf of West Virginia" Real Estate Scam "good f—ing profits" - [Learn The New Loan Origination Model Now to Double Your MLO Income When the Market Shifts](https://www.innovativemlo.com/learn-the-new-loan-origination-model-now-to-double-your-mlo-income-when-the-market-shifts): Maximize MLO Income with this Easy Origination Platform - [Record 8.5% of U.S. Homes Worth $1M or More - Housing Market Update](https://www.innovativemlo.com/record-8-5-of-u-s-homes-worth-1m-or-more-housing-market-update): Record 8.5% of U.S. Homes Worth $1M or More - Housing Update - [Beware of Google Scams: Protect Yourself from Fake Business Listings](https://www.innovativemlo.com/beware-of-google-scams-protect-yourself-from-fake-business-listings): Beware of Google Scams: Protect Yourself from Fake Listings - [Economic & Housing Weekly Note: Retail Sales Up, Inflation Down](https://www.innovativemlo.com/economic-housing-weekly-note-retail-sales-up-inflation-down) - [Test Your Emotional Intelligence with Our Quiz | Innovative Mortgage](https://www.innovativemlo.com/test-your-emotional-intelligence-with-our-quiz-innovative-mortgage): Test Your Emotional Intelligence with Our Quiz - [Choosing Mortgage Loan Officer Self-Employment Over W-2 Wages: Is It Right for You?](https://www.innovativemlo.com/choosing-mortgage-loan-officer-self-employment-over-w-2-wages-is-it-right-for-you): Self-Employment vs. W-2: Why Choose to Be Your Own Boss? - [How Disney World Is Winning Back Unhappy Guests](https://www.innovativemlo.com/how-disney-world-is-winning-back-unhappy-guests) - [Home Prices Show Signs of Slowing with a 3 Percent Increase in Q2 2024](https://www.innovativemlo.com/home-prices-show-signs-of-slowing-with-a-3-percent-increase-in-q2-2024) - [Mortgage Rates Dip as the Housing Market Shows Signs of Improvement](https://www.innovativemlo.com/mortgage-rates-dip-as-the-housing-market-shows-signs-of-improvement): Mortgage Rates Fall as Housing Market Shows Positive Signs - [Understanding Real Estate Challenges in 2024 by Looking at the Past](https://www.innovativemlo.com/understanding-real-estate-challenges-in-2024-by-looking-at-the-past): Better Rates & Lower Fees at Innovative Mortgage - [Navigating Changes in U.S. Real Estate: A Look at Foreign Investment Trends](https://www.innovativemlo.com/navigating-changes-in-u-s-real-estate-a-look-at-foreign-investment-trends): US Real Estate Foreign Investment Trends | Innovative MLO - [Middle-Class Salary Requirements in Major U.S. Cities](https://www.innovativemlo.com/middle-class-salary-requirements-in-major-u-s-cities) - [Why Working as a Mortgage Broker Allows You to Offer Lower Mortgage Rates](https://www.innovativemlo.com/why-working-as-a-mortgage-broker-allows-you-to-offer-lower-mortgage-rates): Why Mortgage Brokers Offer Lower Rates Than Banks - [How to Make Money as a Mortgage Loan Officer](https://www.innovativemlo.com/how-to-make-money-as-a-mortgage-loan-officer): Maximize Your Income as a Mortgage Loan Officer - [Your Construction to Perm Guide to Preparing Clients](https://www.innovativemlo.com/your-construction-to-perm-guide-to-preparing-clients): Construction Loan Checklist for Mortgage Loan Originators - [News That's Relevant to You](https://www.innovativemlo.com/my-post) - [NEWS THAT'S RELEVANT TO YOU!](https://www.innovativemlo.com/news-that-s-relevant-to-you) - [Stay Updated with the Latest and Most Relevant News!](https://www.innovativemlo.com/stay-updated-with-the-latest-and-most-relevant-news) - [Important Reminder: Test things out before taking the leap!](https://www.innovativemlo.com/important-reminder-test-things-out-before-taking-the-leap) - [The Second BEST Job of 2024 - Embrace second place!](https://www.innovativemlo.com/the-second-best-job-of-2024-embrace-second-place) - [93 year old man has the heart and body of a 30 or 40 year old person!](https://www.innovativemlo.com/93-year-old-man-has-the-heart-and-body-of-a-30-or-40-year-old-person) - [DYPB!](https://www.innovativemlo.com/dypb) - [FHA Dual Agency Restriction Revoked](https://www.innovativemlo.com/fha-dual-agency-restriction-revoked) - [We have Arive'd](https://www.innovativemlo.com/we-have-arive-d) - [It is not that you are not wanted...](https://www.innovativemlo.com/it-is-not-that-you-are-not-wanted) - [Jackalope - Prius - Innovative Mortgage?!](https://www.innovativemlo.com/jackalope-prius-innovative-mortgage) - [Where is the Volcano in New Jersey?](https://www.innovativemlo.com/where-is-the-volcano-in-new-jersey) - [Is this New Jersey Machinist the Father of Labor Day?](https://www.innovativemlo.com/father-of-labor-day) - [Mortgage Layoffs: Who's Next?](https://www.innovativemlo.com/mortgage-layoffs-who-s-next) - [Ohio MLOs, Are You Happy?](https://www.innovativemlo.com/ohio-mlos-are-you-happy) - [Brokers are Crushing Retail Mortgage Rates](https://www.innovativemlo.com/brokers-are-crushing-retail-mortgage-rates) - [OHIO MLOs, We know what you want for your origination business!](https://www.innovativemlo.com/ohio-mlos-we-know-what-you-want-for-your-origination-business) - [100% COMPENSATION NOW AVAILABLE IN THESE STATES](https://www.innovativemlo.com/100-compensation-now-available-in-these-states) - [How high will rates go? And why I am not worried.](https://www.innovativemlo.com/how-high-will-rates-go-and-why-i-am-not-worried) - [MLOs Need Options In This Market](https://www.innovativemlo.com/mlos-need-options-in-this-market) - ["It is what it is" vs QTR](https://www.innovativemlo.com/it-is-what-it-is-vs-qtr) - [Loan Officer Salaries: Innovative Mortgage vs The Market](https://www.innovativemlo.com/loan-officer-salaries-innovative-mortgage-vs-the-market) - [How much is your team or your branch making off of your mortgage origination?](https://www.innovativemlo.com/how-much-is-your-team-or-your-branch-making-off-of-your-mortgage-origination) - [What is the first thing you would do if you were your own boss and a mortgage loan originator?](https://www.innovativemlo.com/what-is-the-first-thing-you-would-do-if-you-were-your-own-boss-and-a-mortgage-loan-originator) - [MLOs, Prepare For Changes In The Housing Market By Understanding These 4 Points](https://www.innovativemlo.com/mlos-prepare-for-changes-in-the-housing-market-by-understanding-these-4-points) - [Are you Comfortable?](https://www.innovativemlo.com/are-you-comfortable) - [Attention MLOs: Will FEMA’s new Flood Insurance Risk Ratings sink your next deal?](https://www.innovativemlo.com/attention-mlos-will-femas-new-flood-insurance-risk-ratings-sink-your-next-deal) - [MLOs Are Losing Deals Because They Don’t Have The Opportunity To Do This](https://www.innovativemlo.com/mlos-are-losing-deals-because-they-dont-have-the-opportunity-to-do-this) - [What has a stronger influence on Mortgage rates?](https://www.innovativemlo.com/what-has-a-stronger-influence-on-mortgage-rates-inflation-or-the-delta-variant) - [MLOs - What is Florida Statute 626.9551 and how will it wreak havoc on your new loan closings?](https://www.innovativemlo.com/mlos-what-is-florida-statute-626-9551-and-how-will-it-wreak-havoc-on-your-new-loan-closings) - [Will your current compensation plan and product suite sustain you through a slowing market?](https://www.innovativemlo.com/will-your-current-compensation-plan-and-product-suite-sustain-you-through-a-slowing-market) - [Changes to For Sale Searches on Zillow and Trulia](https://www.innovativemlo.com/changes-to-zillow-and-trulia-and-how-you-can-help-your-clients-and-realtor-partners-in-a-low-inventory-real-estate-market) - [Just over 100 days into a new administration, what signals are we seeing? Read this article called Duck and Cover](https://www.innovativemlo.com/just-over-100-days-into-a-new-administration-what-signals-are-we-seeing-read-this-article-called-duck-and-cover) - [Do you know what the Mortgage Manager Carousel is? Ask yourself this...](https://www.innovativemlo.com/do-you-know-what-the-mortgage-manager-carousel-is-ask-yourself-this) - [Are you tired of the Asterisk *? 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Are You Ready?](https://www.innovativemlo.com/whats-new-about-the-new-1003-are-you-ready) - [The 5 Minute New Years Resolution that Could Double Your Income](https://www.innovativemlo.com/the-5-minute-new-years-resolution-that-could-double-your-income) - [Try This Compensation Calculator To See How Much Your Income Can Increase](https://www.innovativemlo.com/try-this-compensation-calculator-to-see-how-much-your-income-can-increase) - [As A Loan Originator, Would Your Mortgage Company Have Your Back Like This?](https://www.innovativemlo.com/as-a-loan-originator-would-your-mortgage-company-have-your-back-like-this) - [Don’t Forfeit $10,000 Of Commission By Making A Common Loan Origination Mistake](https://www.innovativemlo.com/dont-forfeit-10-000-of-commission-by-making-a-common-loan-origination-mistake) - [Health insurance options for independent contractors.](https://www.innovativemlo.com/health-insurance-options-for-independent-contractors) - [W-2 vs. 1099 Compensation Not so Fuzzy After All](https://www.innovativemlo.com/w-2-vs-1099-compensation-not-so-fuzzy-after-all)