About Yury Shraybman, MBA – Team Lead, Innovative Mortgage Brokers
Yury Shraybman, founder and team lead at Innovative Mortgage Brokers, has spent over 15 years building a career rooted in financial expertise, problem-solving, and a passion for helping clients achieve their homeownership dreams. Yury’s approach is simple: every client deserves personalized solutions and a partner they can trust to guide them through the mortgage process.
Yury’s journey into the mortgage industry began in 2001, when he co-founded his first mortgage company. What started as a small business quickly grew into a multi-state operation, employing over 50 loan officers across the country. During this time, Yury discovered his knack for solving complex loan scenarios, advocating for his clients, and creating tailored solutions to fit even the most challenging financial situations.
After earning his Executive MBA from Temple University, Yury expanded his expertise as a top financial executive in the pharmaceutical industry. While he thrived in this role, his passion for the mortgage industry—and the opportunity to make a direct impact on people’s lives—brought him back to his roots.
That passion led to the creation of Innovative Mortgage Brokers, a company built to help clients navigate the often-complicated mortgage process with ease, transparency, and trust.
What sets Yury apart
- Problem-Solving Expertise – Yury excels at working with clients who may have been turned away by traditional banks. He believes that with time, effort, and creativity, every borrower’s financial history can be understood, and solutions can be found—even for the most complex cases.
- Client-Centered Approach – For Yury, the mortgage process isn’t just about numbers—it’s about relationships. He takes the time to understand each client’s unique needs, goals, and concerns, ensuring they feel empowered every step of the way.
- Commitment to Excellence – Under Yury’s leadership, Innovative Mortgage Brokers delivers more than just competitive rates. His focus is on providing value at every turn, leveraging strong lender relationships and state-of-the-art technology to make the process as smooth and efficient as possible.
- Industry Leadership and Advocacy – Yury is a respected voice in the mortgage industry. He is regularly published and featured in prestigious publications such as Philadelphia Business Journal and Mortgage Professional America (MPA), where he shares his insights and expertise on industry trends and challenges.
- Volunteering and Giving Back – Beyond his professional achievements, Yury volunteers his time with professional associations dedicated to improving the mortgage industry and helping others succeed. His dedication to fairness and innovation extends beyond his clients, as he works to create positive change within the field as a whole.
A Trusted Partner in Your Mortgage Journey
Yury’s dedication to fairness, transparency, and exceptional service has earned him the trust of countless homebuyers, investors, and homeowners. Whether you’re tackling a challenging loan scenario, seeking competitive rates, or simply looking for a guide to help you navigate the mortgage process, Yury and his team are here to help.
When Yury isn’t working on solving complex loan scenarios or helping clients achieve their homeownership dreams, he enjoys spending time with his family, traveling, and staying connected with his community.
If you’re ready to redefine your mortgage experience with someone who truly has your back, reach out to Yury and the Innovative Mortgage Brokers team today. Together, we’ll make your homeownership goals a reality.
I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:
Email: Yury@InnovativeMTGBrokers.com
Phone: (215) 309-1757
Frequently Asked Questions
Getting Started
Why work with a mortgage broker instead of going directly to a lender?
Great question, and here’s the short answer: we work for you, not the lender.
At Innovative Mortgage Brokers, we partner with over 30 lenders, giving you access to a wide range of competitive loan options. When you go to a bank, you get their one set of products. When you work with us, we shop around on your behalf and find the best fit for your goals.
What states are you licensed in?
Currently, we are licensed in Pennsylvania and Florida.
How do I know if I qualify for a mortgage?
There are a few key ingredients lenders look at: credit score, income, job history, and debt-to-income ratio. But every situation is unique. We offer a free consultation to walk through your numbers and help you understand exactly where you stand.
Should I get preapproved before I start house hunting?
Yes, 100%. It gives you a clear budget and makes your offer more competitive. We can usually issue a preapproval in 24 hours.
What documents do I need to apply?
Typically: pay stubs, W‑2s or tax returns, bank statements, and an ID. If you're self-employed, we’ll guide you through the right documentation.
Credit & Rates
Can I get a mortgage if my credit isn’t perfect?
Yes. We offer flexible programs for less-than-perfect credit and even help with credit improvement strategies.
Why does my interest rate keep changing?
Rates move with the market—kind of like gas prices. We’ll help you understand why and when to lock one in.
Loan Types
What types of loans do you offer?
Conventional, FHA, USDA, VA, and Non-QM. We’ll help you choose based on your goals and financial profile.
Can I get a mortgage without W‑2s or pay stubs?
Yes. We offer alternative-documentation loans for self-employed borrowers using bank statements or asset-based income.
Refinancing & Equity
What’s the difference between cash-out and rate-and-term refinance?
Cash-out lets you take equity out in cash. Rate-and-term simply changes your interest rate or term without pulling cash out.
Can I roll closing costs into my refinance?
Often, yes, especially if you have enough equity. We’ll show you how it works.
Special Situations
Can I use gift funds for my down payment?
Yes. Most programs allow it, with some documentation. We’ll help you do it right.
Can I buy an investment property?
Yes, and we help investors every day. From multi-units to rental condos, we’ll help you find the right financing.
What are common mortgage mistakes to avoid?
Taking on new debt, large unexplained deposits, changing jobs, skipping preapproval. We’ll guide you to avoid all of them.
