Applications Closing March 2023


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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Innovative Mortgage Alliance Review

Innovative Mortgage Alliance is a well-established mortgage lender specializing in Home Equity Loans, FHA Refinance, Reverse Mortgages, and VA Loans.

IMA is a company that lends home purchases and refinances mortgages to various people in need of their services.

Knowledgeable Mortgage Advice

IMA was built on the premise that a mortgage broker should have access to any information requested without having to rely on third parties and brokers that created barriers for them.

The company has become an industry leader based on innovative technologies as well as providing top-tier customer service. They have become a leader in technology and developing innovative online solutions for the mortgage industry.

IMA has established itself as an organization that can be depended on to help save people time and money without jeopardizing their ability to get the best mortgage possible.

They offer straightforward products and services that are designed to take care of all your mortgage needs whether you’re looking for a conventional or FHA loan, fixed or adjustable-rate mortgages, first or second mortgages, private mortgages, and more!

For people who have bad credit, they offer FHA loans as well as other types of loan programs designed to help people with less than perfect credit and situations get the funding they need.

Mortgage Loan Options

One thing about IMA you’ll notice is that their focus is always on providing customers with more options for home financing, not just a mortgage but also related financial services such as refinancing an existing home loan, reverse mortgages, and even commercial lending.

They truly value their customers and aim to make the financing process as pain-free, hassle-free, and as quick as possible so that you can get your dream home faster.

IMA has a very easy loan approval process where after they receive your application form, they give you an INSTANT online decision with no need for credit checks or income verification; and they also specialize in hard money loans – which are high-risk loans often given to people with poor credit scores but who have lots of equity in their homes.

Innovative Mortgage Alliance offers

Innovative Mortgage Alliance offers many unique features for any real estate buyer or seller out there today who is looking to get approved for a loan fast or trying to obtain interesting rates on a mortgage that they want to refinance or buy a home.

Medicaid Eligibility Verification- The company’s innovative software solution tracks loan information by client name, property location, and status and will automatically verify the income of borrowers who receive Social Security and/or SSI benefits.

Virtual lender- Innovative has developed innovative mortgage technology which allows their customers to apply for a Home Equity product or any other product through this system ( ). All applications are processed in under an hour, and all approval decisions are delivered electronically, usually within minutes. This is the future of home lending, cutting out paperwork and allowing processing to be done instantly.

ACH Authorization – The company processes all Mortgage ACH authorization requests via a secure electronic portal 24 hours a day, seven days a week, eliminating paper which improves efficiency and reduces delays.

Website highlights- The company has a very well-done website, with much information and all of the latest mortgage news available to its readers. An online Twitter feed also offers information, tips, and deals for homebuyers, new homeowners, and current homeowners who are thinking about refinancing or buying additional properties.

No Closing Cost Mortgage Loan- which is great for those who are looking at getting a loan on a home purchase or refinancing because it allows you not to pay any closing costs as a part of the loan requirements when you apply for it. This is a great asset from their side as it allows those with not-so-good credit scores to get approved for a mortgage without having to pay any closing costs. They also offer assistance in applying for FHA, VA, and USDA mortgages.

Who Should Use Innovative Mortgage Alliance Services?

Innovative is a company that can work well with many different kinds of customers, from those looking to buy their first home to current homeowners looking to refinance their second or third home and everything in between, including those looking to downsize their mortgage allowance.

Innovative Mortgage Alliance is best suited for those who are looking at purchasing/refinancing real estate property soon and need some help in getting pre-approved for a loan before they go out and make an offer on a piece of property or land that they have seen.

It would also be best for those with bad credit scores looking to get a loan on home purchases or refinancing. They can help them get approved for a mortgage and see if they can offer them the “No Closing Cost Mortgage Loan” offer, which would be great for someone who is not making enough income to pay back all of their closing costs.

Loan Products They Offer

Innovative Mortgage Alliance offers many different kinds of products on their website. They offer a wide range of loan amounts based on your need, and while there are no set rates when it comes down to purchase loans and refinancing loans.

They do have something called the “No Closing Cost Mortgage Loan” that I mentioned before. This is a great product for someone who needs to purchase a home but is having trouble finding the money to pay off all their closing costs which are usually 10-15% of the loan amount or more in some cases.

They also offer something called an FHA mortgage and a VA mortgage, both of which can make it easier for you to get approved for your loan based on what kind of down payment they allow you to put towards your property, as well as the interest rates that they charge as part of getting approved. The FHA mortgage allows someone with less than the required 3.5% down payment to get approved for a loan, and the VA mortgage allows you to only pay 3.0% down.

These are both great advantages when it comes to refinancing or getting approval for new home purchases because they allow you to obtain better interest rates and lower monthly payments that match your current income level better so that you can recoup some of your money faster rather than have to pay higher monthly payments on your loan over time. They also offer “Fixed-Rate Mortgages,” which is great for someone who is looking at paying off their home in the next few years and doesn’t want to deal with the risk of higher interest rates and rising monthly payments.

They also provide many kinds of refinancing options for their customers from conventional programs such as HomePath Renovation Mortgage or Cash-Out Refinance and the Home Affordable Refinance Program (HARP) that has helped millions of homeowners refinance their mortgages at more affordable rates in recent years.

Innovative offers a full menu of products, including FHA, HARP 2.0, VA, and Reverse Mortgages, to name a few.

The following are some key features that make Innovative Mortgage Alliance stand out among other lending institutions

1-Debt Consolidation: When you want to get rid of your credit card debt, Innovative Mortgage Alliance allows you to refinance

and consolidate all your debts to a lower interest rate mortgage loan. It is faster and more convenient than trying to do it on your own

2-Loans for Self Employed: If you are self-employed and had no luck getting mortgage loans from major banks due to the lack of documentation, Innovative Mortgage Alliance can still approve you for a home loan because they understand that sometimes things happen and one does not have the proper paperwork at hand all the time. They will allow you to fax or email them what they need after applying online with them, thus eliminating long wait times to furnish them with the required documentation for verification

3-0% Interest for 12 months: Innovative Mortgage Alliance will allow you to lock in a 0% interest rate on your mortgage loan, which means every month, zero dollars will be deducted from your account. This is very helpful when large expenses come up that are not anticipated and often too late to plan for, such as medical bills or traveling. Do not miss out on this opportunity by waiting until rates go up again!

4-Flexible Payment Option: If you have trouble making payments each month due to unforeseen circumstances, they will work with you by splitting apart payments into four easy installments of $50 instead of one large lump sum

5-Benefits to Active Military: If you have been active for at least two years in the military and are currently serving, Innovative Mortgage Alliance will give you a 2000 dollar discount on your mortgage loan, which saves you roughly 150 dollars per month on average. This is a great option for those who wish to take advantage of it.

What Customers Are Saying About the Company

Innovative has an A+ rating with the Better Business Bureau, which is rare in this industry, as well as an A+ rating on Yelp and Kudzu, as well as many positive reviews on other websites where customers have rated this company highly.

And on top of that, they have also been awarded a five-star review by both yelp users, as well as google users, for their efforts in making sure that all of their clients leave a positive review after having used their services.

Having this kind of score is great for them in terms of marketing and getting the word out there about their company. It also shows that they are doing things right when it comes to helping people get approved for mortgages and making sure they have happy clients who will tell others about how helpful they were at getting them through the process.

Frequently Asked Questions about the Company.

Q. What kind of mortgage can I qualify for when using a VA Loan?

A. VA loans are full 100% financing and require no down payment or PMI. You may use the loan to buy primary or secondary residences, investment properties, and more. No restrictions are placed upon the veteran’s income.

Q. What happens if I sell or refinance my home before the end of the loan term? A. If you sell or refinance out the home, and there is a balance on your mortgage with Innovative Mortgage Alliance, we will either pay off the balance for you at closing (if refinancing) or make an additional cash payment to you within 45 days of your request.

Q. What is the telephone number(s)?

A. The phone numbers utilized is +1(801)352-4030

Q. How long does it take to get approved?

A. The time taken by the company will depend upon your credit score and income/debt ratio. As far as processing time is concerned, it takes up to 10-15 days after submitting all documentation; however, if a customer is submitting for a more complicated loan process.

Q. Is there an appraisal and credit check?

A. Yes, all customers go through the same procedure of obtaining an appraisal from one of their preferred providers prior to making any offers.

Q. How Do they communicate with their clients?

A. Customer Communication occurs through email and phone calls.

Contact Information

Innovative Mortgage Alliance website’s URL is Contact Email:

The company address: 12401 S 450 E #F2, Draper, UT 84020, United States; Phone: (801)352-4030.

Fax: 801-352-4191


Innovative Mortgage Alliance (IMA) is a vertically integrated mortgage lending firm that combines origination and servicing capabilities with technology solutions to drive operational efficiencies and generate real-time business intelligence.

IMA believes that automation technology will assist it in enhancing the customer experience while reducing its cost of operations. The company’s automated processes are designed to help reduce borrower closing delays, ensure timely document delivery, improve internal controls while lowering risks and costs.

It also provides mortgage banking solutions by partnering with other firms to provide loan origination, servicing, and asset management services across multiple channels, as well as lend capital through funds, managed or advised by third parties.

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