Joe Bell, mortgage broker, Innovative Mortgage Services, is now able to offer you lower rates and more creative mortgage options through our expanded network of banks and wholesale mortgage lenders. We continue to provide low rate home mortgage financing and refinancing along with unmatched customer service to homeowners in the St. Petersburg - Tampa - Clearwater - Sarasota, Florida metropolitan area and all of Florida. We also offer commercial mortgages in all 50 states.

How do we do it? By matching your loan scenario with our database of over 100 banks and wholesale mortgage lenders to find the program that makes the most sense for YOU! Call us with your scenario and find out about all the available options for your home mortgage financing today.

The process is almost paperless, as you can email or upload all your documents online.
Most of the disclosures needed to process your loan can be signed electronically. You can complete the entire process in the comfort of your home or office.

Innovative Mortgage Services in St. Petersburg, FL offers competitive terms for conventional and jumbo loans as well as FHA, VA and USDA loans. Our 2016 programs include the HARP 2.0 and FHA streamline refinance programs for borrowers whose loan balance exceeds the value of the property. Most of these programs do not require an appraisal or income verification. Our new program is available with NO closing costs!

If you are a borrower who does not qualify for traditional programs, there are alternative programs that may meet your needs. If you do not have enough income to qualify, but have substantial liquid assets, We have asset depletion programs that allow you to use monthly withdrawals or amortization of funds to qualify.
We also have non-prime and subprime programs for borrowers who cannot qualify due to low credit scores or lack seasoning requirements due to economic events such as bankruptcies, foreclosures and short sales. 

For more information, call Joe Bell, mortgage broker, Innovative Mortgage Services at (727) 527-1454. We are available 7 days a week for your convenience.


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