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Innovative Mortgage Services, Inc.

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Lutz, FL
Innovative Mortgage Services, Inc.

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Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)
It PAYS to be Innovative! Innovative Mortgage Services, Inc. - NMLS 250769

Our MLOs get cutting-edge LOS, a multitude of lending products, wholesale and retail lending channels, and aggressive rates and terms. Innovative Mortgage Services supports 100s of loan originators and mortgage brokers.

10/29/2026

Four times a year you can change your comp level here. In between, it does not move.

You elect your compensation, up to 275 bps, and the election holds for the quarter. It is not set for a particular borrower or a particular file. That means your pay is never renegotiated file by file. You set the level for the quarter, and you revisit it when the next quarter opens. It only applies to TRID regulated transactions.

Compensation exceptions are permitted for benefits to the borrower and pricing matters beyond the control of the MLO. Non-TRID loans are not governed by the compensation rule. Therefore, MLOs have complete freedom to price non-QM, reverse, home equity, and commercial transactions.

The $695 transaction fee is deducted the same on every funded loan.

How the election and the $695 work together is laid out on our flat fee page, which also links our walkthrough of borrower-paid and lender-paid compensation.

https://www.innovativemlo.com/the-695-flat-fee

When your numbers check out, start with the Interview Us questionnaire: https://www.innovativemlo.com/contact

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

10/27/2026

Monthly LOS fee, team split, W-2 adjustment: three terms we publish next to the $695.

The LOS technology fee. On the individual plan it is $79.99 a month for ARIVE, with unlimited multi-device access. On the team plan, you submit through your team leader's LOS access or remit the same $79.99 monthly for your own access.

The SOLO MLO earns 100% of the compensation less $695.

The team split. On the team plan, you and your team leader or branch manager share 100% of your elected compensation, less the $695, on an agreed split.

The W-2 adjustment for non-1099 states. Where state law requires W-2 employment, you receive 85% of net after the $695. On the team plan, that 85% is shared on your agreed split.

None of these changes the $695: per funded loan, the same on the individual plan and the team plan.

All three are written out on our flat fee page, and the Interview Us questionnaire is one click from there.

https://www.innovativemlo.com/the-695-flat-fee

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

10/26/2026

🏠 Mortgage Loan Originators — how long do you wait to get paid after funding?

At Innovative Mortgage Services, you don't wait weeks. You're paid within 24 hours of funding — so your cash flow stays strong and predictable.

✅ 100% compensation
✅ Just a $695 flat fee per loan — you keep the rest
✅ Paid within 24 hours of funding
✅ 100% remote-friendly
✅ Cutting-edge LOS, plus correspondent & broker channels
✅ Licensed in 25 states | NMLS #250769

Close the loan. Get paid. Move on to the next one — without chasing a paycheck.

It PAYS to be Innovative.

👉 Learn more / request info: innovativemlo.com
📞 727-372-8059

10/24/2026

🏠 Mortgage Loan Originators — tired of quotas, caps, and tiers deciding what you keep?

At Innovative Mortgage Services, there's no production minimum, no commission cap, and no volume tier. Every deal is treated the same:

✅ 100% compensation
✅ Just a $695 flat fee per loan — you keep the rest
✅ Paid within 24 hours of funding
✅ 100% remote-friendly
✅ Cutting-edge LOS, plus correspondent & broker channels
✅ Licensed in 25 states | NMLS #250769

You earn it, you keep it. No ceilings. No brackets. No pressure to hit someone else's number — just focus on building relationships and closing quality loans.

It PAYS to be Innovative.

👉 Learn more / request info: innovativemlo.com
📞 727-372-8059

10/23/2026

Loan officers — what if you kept 100% of your commission on every single loan?

At Innovative Mortgage Services, the deal is simple: one $695 flat fee per transaction. You keep the rest.

No quotas. No caps. No tiers. Paid within 24 hours of funding. 100% remote-friendly, licensed in 25 states, with a cutting-edge LOS and wholesale, retail, and correspondent channels.

It PAYS to be Innovative. Come hang your license with us: innovativemlo.com

10/23/2026

On a tiered plan the headline rate is something you climb to. The early files pay below it until your volume carries you up a step.

You elect your compensation, up to 275 bps, and that level applies from the first dollar of your first funded file. No volume threshold, no quotas, no caps. Every funded loan carries the same $695 transaction fee.

Your first funded file is compensated at your elected level, less the $695, not at a starter rate you grow out of. Where state law requires W-2 employment, you receive 85% of the net after the $695. On the team plan, that compensation is shared with your team leader or branch manager on an agreed split.

Volume still matters to your income. It does not decide your rate.

The full breakdown is on one page, with the Interview Us questionnaire linked from it.

https://www.innovativemlo.com/the-695-flat-fee

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

10/22/2026

$695 is not the same share of comp on every file. Here it is at both ends of the loan range.

Illustration at 275 bps elected, per funded file, before the $79.99 monthly LOS fee:

$200,000 loan: comp $5,500. The $695 is 12.6% of it, leaving $4,805.
$900,000 loan: comp $24,750. The $695 is 2.8% of it, leaving $24,055.

Same fee, different weight: the smaller file carries the larger share, which is why it is listed first. Under a percentage split the pattern flips. The share holds still and the dollars taken rise with loan size.

These are fee figures at one comp level, not a forecast of your income. You elect your own compensation, up to 275 bps, so the figures on your files will differ. Where state law requires W-2 employment, the originator receives 85% of the net after the $695.

The page adds a middle loan size to the same table, with an Interview Us button at the top and bottom.

https://www.innovativemlo.com/the-695-flat-fee

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

10/09/2026

We onboarded a 30-plus-year originator this week who wants to build a team.

That is not a small ask. Most flat fee shops are not built for it, because team building usually means overrides, and overrides usually mean somebody is giving up basis points to make it work.

We are a flat fee shop at the individual level, $695 per funded loan, 100% of elected comp. But for originators who want to lead a team, there is a commission-split structure available for that specific role. We have newer MLOs in the pipeline who need real mentorship, and we have experienced originators who have built books before and want to do it again without the politics of a traditional brokerage.

If you have 10, 15, 20 years in this business and you are thinking about what 2027 looks like for you, that is worth a real conversation, not a form letter.

Start with the Interview Us questionnaire on our site.

https://www.innovativemlo.com

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

10/08/2026

A flat fee is a number you can check in five seconds. A split is a number that moves.

That is the whole difference, and it is why the phrase gets searched so often.

Here the number is $695 per funded loan. The same on every file, whatever you closed last month or last quarter. You set your own compensation level on top of it, up to 275 bps, and that election holds across your files and changes going forward rather than loan by loan.

At a split shop your percentage can depend on last month's volume, and the house's share can grow quietly as yours does. You can verify a flat fee off one line of a statement. Verifying a split takes longer, because the split itself is the moving part.

Run your own loan amount and your current structure through the calculator and see where you land:

https://www.innovativemlo.com/loan-officer-pay-raise-calculator

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)
Equal Housing Lender. Licensed in 25 states, not including New York.

10/07/2026

MLOs do you have ARIVE questions?

How the pricing engine actually compares lenders. Whether disclosures generate clean. How the pipeline view holds up once you are running real volume instead of a demo account.

Fair questions. If you are going to move your license somewhere, you want to know the software is not going to slow you down on day one.

Here is the short version: ARIVE is the system of record here. It is how you access the 100+ lenders across broker and correspondent channels, how you run pricing, and how you generate disclosures. Training on it lives inside the Originator Support portal along with the forms, fee sheets, and comp election paperwork.

If you are evaluating platforms as part of a move, that is a conversation worth having.

Learn more at: https://www.innovativemlo.com

Innovative Mortgage Services, Inc. NMLS ID # 250769 (https://nmlsconsumeraccess.org/)

Address

17717 Hunting Bow Circle Unit 101
Lutz, FL
33558

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17273728059

Website

http://innovativemlo.com/

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