Products

Mortgage Solutions and Products

All these products are available on both our correspondent and broker channels. Learn more.

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Loan Products

Every product, one platform

From conventional to Non-QM, originate the full spectrum of loan products — available on both our correspondent and broker channels.

Conventional Loans

A strong option for many borrowers with solid credit and stable income. Flexible terms and competitive rates.

FHA Loans

Helpful for buyers who want flexible qualification guidelines and lower down payment options.

VA Loans

Built for eligible veterans, active-duty service members, and qualified military families.

USDA Loans

A valuable option for qualified buyers purchasing in eligible rural areas with favorable terms.

Jumbo Loans

Designed for higher-value home purchases that exceed standard conforming loan limits.

Refinance Loans

For homeowners who want to improve terms, access equity, lower payments, or restructure debt.

Bank Statement Loans

Helpful for self-employed borrowers who may not show income in a traditional way.

DSCR Loans

A common solution for real estate investors focused on property cash flow rather than personal income.

Non-QM Loans

Alternative options for borrowers with more complex financial profiles or unique income scenarios.

Renovation Loans

Financing options for buyers or homeowners planning improvements and upgrades.

First-Time Buyer Loans

Programs designed to help first-time homebuyers navigate the process with clear guidance and smart options.

Cash-Out Refinance

Access your home equity for home improvements, debt consolidation, or other financial goals.

Loan Products

QM/Conventional, Jumbo, VA, USDA

All these products are available on both our correspondent and broker channels. That means you have a multitude of options available for your borrowers. Write loans on our correspondent channel and choose any combination of borrower fees and yield spread to accomplish collecting the necessary loan revenue. Can't find a product on the correspondent channel? Unlock more options through Innovative's broker channel, with no extra cost or fees attributable to Innovative.

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A family holding the keys to their new home
QM / ConventionalJumboVAUSDA
Correspondent & broker channels
A self-employed professional reviewing loan options on a tablet
Foreign nationalStated incomeDamaged credit
Alt-A on the broker channel
Alternative Lending

Non-QM/ALT-A

Foreign national, stated income, or damaged credit obstacles? No worries! Innovative's Alt-A options have you covered. Close more business with an Alt-A lender on Innovative's broker channel.

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Government Lending

FHA Forward and Reverse Mortgages

Write these products on our broker channel. Choose from over 50 lenders (and counting). You will find numerous lender paid compensation options available by referencing our Lender Compensation Spreadsheet. Can't find a lender paid compensation that works with your elected compensation? No problem! Write the loan as a borrower paid compensation transaction.

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A young first-time-homebuyer couple unpacking in their new home
FHA ForwardReverse Mortgages50+ lenders
Lender paid or borrower paid
Commercial Lending

Commercial

Help your client get their wheels turning in starting or growing their business. Commercial loans for all shapes and sizes.

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A modern commercial office building at golden hour

Write more loans with more options.

Correspondent and broker channels, government and commercial products — the platform to fund every borrower. Let's talk about your move to Innovative.

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