Lets Get Started

Are you looking to purchase a home or refinance your mortgage? Then lets get started! Drop us some brief information in the form below. Its quick. Its easy. It only takes about 30 seconds to complete. One of our Innovative Mortgage Experts will follow up with you to go over the best solution for your needs. No SSN required. No credit check needed. Your information is kept private. And best of all its FREE!

Complete this Quick 30 second form
Zero Cost. Zero Obligation. Zero Hassle. The Innovative Mortgage Difference

Stop Paying Rent and See a List of Homes That Match Your Current Payment

At Innovative Mortgage Services, Roberto Irizarry and his team of Innovative Mortgage Experts understands that purchasing a home can sometimes be somewhat of a complicated process. This is why we take pride in helping clients just like you make the home loan and home buying process simple. When you work with one of our Innovative Mortgage Experts, we’ll match you with the mortgage that fits your unique needs. Finding the right mortgage starts with working with the right mortgage expert, see for yourself, give us a shot. Lets get started today!

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

You don’t have to be a mortgage expert. That’s what you have us for. Check out our Mortgage Dictionary

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 Expert 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