More Mortgage Options. Less Guessing.
We work for you, not the banks. Compare options from 30+ lenders and get a mortgage strategy built around your goals. Competitive rates, clear guidance, and fast answers for buyers and homeowners across Pennsylvania and Florida.
⭐⭐⭐⭐⭐ 4.9 average from 170+ local reviews Read reviews
What Makes Us Different?
Innovative Mortgage Brokers – Your Trusted Philadelphia Mortgage Partner
At Innovative Mortgage Brokers, we work for you, not the banks. With access to over 30+ lenders, we shop the market on your behalf to secure competitive rates, low fees, and personalized loan options that fit your goals. Our promise is simple: your best interest always comes first.
Why Choose Us?
We know every buyer’s journey is different, so we tailor our guidance and solutions to your unique situation. Whether you’re a first-time homebuyer, upgrading, refinancing, or investing, we’ll guide you every step of the way and make the process as smooth as possible.
Here’s what we bring to the table:
What are you trying to accomplish?
Tell us your goal, and we'll help you find the best path forward.
A Simple, Straightforward Process
From your first question to closing day, we make it easy.
Tell us about your goals
Get your personalized plan
Move forward with confidence
The Best Ways to Track Mortgage Rates
One of the most common questions homebuyers and homeowners ask is: “What are mortgage rates…
When Does Refinancing Actually Make Sense?
Refinancing can be a powerful financial tool, but it is not automatically a good idea…
Why Do Mortgage Companies Have Different Interest Rates?
If you have ever compared mortgage quotes from two different banks, lenders, or mortgage companies,…
Mortgage Questions? We've Got Answers.
Straight answers to the questions we hear most.
Why should I use a mortgage broker instead of going directly to a bank?
A bank can generally offer only its own mortgage products. As a mortgage broker, we work with 30+ lending partners and can compare different loan programs, guidelines, and pricing to help find an option that fits your situation. That can mean more flexibility, competitive rates, and more ways to structure your mortgage.
How quickly can I get preapproved for a mortgage?
In many cases, we can complete a mortgage preapproval within about 24 hours once we have the information and documents needed to review your application. If you're making an offer and have a tight deadline, let us know. We understand how important speed can be in a competitive housing market.
Will exploring my mortgage options affect my credit?
Simply contacting us or submitting an initial request to discuss your mortgage options does not automatically mean we will pull your credit. If a credit report is needed for a formal mortgage preapproval, we will explain the next step before moving forward.
How much money do I need for a down payment?
It depends on the loan program and your situation. Some conventional programs allow eligible first-time homebuyers to purchase with as little as 3% down, FHA loans may allow 3.5% down, and qualified VA and USDA borrowers may be eligible for 100% financing. We can compare the options and help you understand the down payment, closing costs, and estimated cash needed.
Can you help if I'm self-employed, an investor, or have a complicated income situation?
Yes. In addition to traditional mortgage programs, we work with lenders offering options for self-employed borrowers, real estate investors, and borrowers whose income may not fit standard lending guidelines. Depending on the situation, options may include bank statement loans , DSCR loans , Non-QM mortgage programs , and other alternative financing solutions.
What types of mortgage loans do you offer?
We help borrowers with a wide range of financing options, including conventional mortgages , FHA loans , VA loans , USDA loans, jumbo mortgages , renovation loans , investment property loans , DSCR loans , bank statement loans , and other Non-QM mortgage programs . Because we work with multiple lenders, we can look at different options rather than trying to fit every borrower into the same loan program.
Do you work with first-time homebuyers?
Absolutely. We help first-time homebuyers understand the entire process, including preapproval, down payment options, closing costs, mortgage programs, and what to expect from application through closing. Our goal is to make the process simple and easy to understand.
What areas do you serve?
Innovative Mortgage Brokers works with homebuyers, homeowners, and real estate investors throughout Pennsylvania and Florida. In Pennsylvania, we regularly help borrowers in Philadelphia, Bucks County, Montgomery County, Chester County, Delaware County, and surrounding areas.
