Apply Now

With Innovative Mortgage Services - Roberto Irizarry & Associates, the loan approval process has never been easier. Our firm offers a variety of secure and convenient options for you to apply online and complete your loan application with ease.

Choose the option that works best for you

  1. Securely order your credit report using our SmartPay Quick Link
    • Smart Pay -by Sarma, allows your Innovative Mortgage Expert to obtain a copy of your credit report directly from all three major credit bureaus for a small fee of $35
  2. Complete our Secure Online Application
    • Easy to use online Loan Application. Will take about 20 minutes to complete, or
  3. Call us at (407) 720-4636
    • We will gladly take your application over the phone and assist you with any questions you may have, or
  4. Download Application
    • Download this FREE application now and simply mail it, fax it, or bring it to the office

Once you complete your loan application, you can Securely Upload Documents

Below is a list of some of the most common items needed once you are ready to submit your loan application. Your documents can be securely uploaded by simply using your mobile device. Ask your Innovative Mortgage Specialist how

  • Income
    • Names/addresses of employers for two years
    • Most recent copies of pay stubs reflecting a minimum of 30 days of income
    • Most recent W-2’s for two years
    • Recent two years of tax returns
    • If self-employed, year-to-date profit and loss statement, plus signed business returns for last two years
    • Proof of pension income, if applicable
    • Social Security and Disability payments, if applicable
    • Dividend earnings, if applicable
    • Bonus or Commission income, if applicable
    • Security accounts (stocks, bonds, life insurance) if applicable
    • Child support or alimony payments (optional for you to disclose)
  • Assets
    • Most recent Bank statements for two months
    • A copy of earnest money deposit
  • Liabilities
    • Child support or alimony payments
    • Information on debts such as car loans, student loans and credit cards
    • Names/addresses of Landlord for two years
  • Disclosures
    • A completed and signed Borrowers Authorization and Borrowers Certification Form provided by your Innovative Mortgage Expert