Innovative Mortgage is a mortgage broker built for loan officers who want simplicity, freedom, and higher earnings. Our model lets you keep 100 percent of your commission with no splits, no tiers, and no caps. Every file is a flat $595 fee with no surprises. You get access to 100-plus lenders covering government, conventional, jumbo, HELOC, commercial, and reverse programs, along with fast in-house processing and quick payouts, often within 24 hours. We handle compliance and admin so you can focus on clients, production, and building a career on your terms.