“I didn’t know I had options, until I talked to you.”
That’s something we hear all the time from clients across Pennsylvania. Because whether you’re buying a home in Bucks County, refinancing in Montgomery County, or investing in Pittsburgh, one thing is true:
Most lenders only show you one path.
We show you what’s possible.
💬 What Makes Us Different?
Innovative Mortgage Brokers is a locally owned, statewide licensed mortgage brokerage serving the entire Commonwealth of Pennsylvania.
We work with:
- First-time buyers in need of low down payment solutions
- Self-employed borrowers with non-traditional income
- Investors purchasing single-family and multi-unit properties
- Homeowners looking to refinance or tap into equity
You don’t need perfect credit.
You don’t need a huge down payment.
And you definitely don’t need to feel overwhelmed.
We simplify the process and customize your mortgage to fit your life — not the other way around.
🗺️ Coverage Area
While we’re based in Philadelphia County, we proudly serve all of Pennsylvania, including:
- Southeastern PA – Philadelphia, Bucks, Montgomery, Chester, Delaware Counties
- Central PA – Harrisburg, Lancaster, York, State College
- Western PA – Pittsburgh and surrounding suburbs
- Lehigh Valley – Allentown, Bethlehem, Easton
- And everywhere in between
📱 Remote-friendly process | 🏠 Local insights | 🧾 Transparent guidance
🧠 Real-World Scenarios We Handle
We don’t talk in theory. Here’s what we actually do:
- Help a self-employed restaurant owner in Harrisburg qualify using 12-month bank statements
- Guide a first-time buyer in Norristown through a 1% down conventional loan with lender assistance
- Assist a Philadelphia client in refinancing their duplex with a better rate and cash-out for renovations
- Structure a DSCR loan for a real estate investor purchasing a 4-unit in Erie
No matter where you are in Pennsylvania, or what you’re working with financially, we’ll walk you through your options.
🧩 Loan Programs You May Qualify For
We’ll help you explore mortgage options like:
- Conventional loans (including 1% down and HomeReady/Home Possible)
- FHA loans for lower credit scores or higher DTI
- VA loans for eligible veterans and service members
- USDA for rural buyers
- Non-QM and bank statement loans
- DSCR and investor programs
- Rate/term and cash-out refinancing
Every program has pros and cons, and our job is to explain them in plain English so you can make the right move.
💬 What Our Clients Say
“After getting denied by my bank, I was ready to give up. Yury took the time to understand my self-employed income and found a lender that approved me without tax returns. I now own a home in Lancaster — and I never thought that was possible.”
— R.C., Lancaster, PA
“I’m a first-time homebuyer and had no idea what I was doing. Innovative Mortgage Brokers helped me qualify for a program I didn’t even know existed.”
— M.S., Philadelphia, PA
📣 FAQs
Are you licensed across all of Pennsylvania?
Yes! We’re based in Philadelphia, but help clients throughout PA.
What if I was denied by a bank or big lender?
That’s common, and often fixable. Banks follow narrow guidelines. We work with 30+ lenders who think differently.
How are the rates?
Because we work with over 30 lenders, the rates are extremely competitive, and the fees are minimal.
🟢 Let’s Make a Plan
Buying or refinancing in Pennsylvania? You don’t need to go it alone.
We offer:
- ✅ Free credit and income review
- ✅ Transparent feedback with no pressure
- ✅ A second opinion if you’ve already talked to a bank
