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Innovative Mortgage Alliance


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81 User Reviews


Overall Score

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LAST UPDATED: October 12th, 2021

Innovative Mortgage Alliance, founded in 2009 in Salt Lake City, Utah, specializes in residential mortgage financing and refinancing and has funded more than $500 million in mortgage loans. With a team of committed loan originators, the company goes above and beyond to make the loan process easy and transparent for its customers by offering a unique array of mortgage tools and resources.

Currently, Innovative Mortgage Alliance is not a nationwide service and is only licensed in the following 16 states: Alabama, Alaska, California, Colorado, Florida, Georgia, Hawaii, Idaho, Missouri, Montana, North Carolina, Ohio, South Carolina, Tennessee, Utah, and Washington.

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Customer Review: Anthony Solis from Culver City, California

"Too many mortgage companies over promise and under deliver. I found my experience with Innovative was completely the opposite! My loan process was more complicated then most, but Innovative was able to handle it and get it across the finish line. I ended up with an even better rate and lower cost than I had hoped for from the beginning…I highly recommend Innovative for your real estate purchase or refi!"

To see what customers are saying about their experience, jump down to read Innovative Mortgage Alliance reviews.


The Good

  • Quick Online Application Process
  • Three Week Closing Guarantee
  • Rate Monitor Alert
  • Tools & Financial Calculators
  • Positive Customer Reviews

Quick Online Application Process

Innovative Mortgage Alliance streamlines the mortgage application with an entirely online process.

After checking your rates and fees, and choosing the best mortgage option for your needs you will be prompted to securely upload and sign specified documents. The company will then be in touch with you to go over your next steps.

If you need assistance or would prefer to speak with an Innovative Mortgage Alliance representative, you can email or call the company with any of your questions or concerns.

Three Week Closing Guarantee

Innovative Mortgage Alliance guarantees that it will get you to closing in three weeks or less. This is relatively fast compared to other lenders in the mortgage industry, saving you time and getting you to your home purchase sooner.

Rate Monitor Alert

An interesting feature that Innovative Mortgage Alliance offers is an online tool called a rate monitor alert. Essentially what this does is allows homeowners to be alerted when the housing market is able to support or produce a desired rate.

The housing market fluctuates daily which can affect your ability to secure the best rate. Instead of approaching a mortgage broker time and time again, the rate monitor alert tool will have mortgage experts contact you if it is good time to buy or refinance.

Simply fill out Innovative Mortgage Alliance's online form and you can be signed up for Rate Monitor Alert in no time. It is rare for a lender to be so transparent about its rates. This feature is very beneficial to homebuyers that have the flexibility to wait for the right rate to be available. This resource can help homebuyers save thousands of dollars in the loan process if they are able to score a below average rate.

Tools and Financial Calculators

It is common for mortgage businesses to have an array of online tools to help potential homeowners be able to quickly estimate how much money they will need to finance or refinance a mortgage, as well as various other home purchasing considerations.

Some of its unique tools that potential customers can use for free include:

  • Mortgage insurance finder
  • Affordability calculator
  • Amortization calculator
  • Mortgage calculator
  • Refinance calculator

Positive Customer Reviews

Innovative Mortgage Alliance reviews are overwhelmingly positive. Although the number of reviews for the company are currently limited, 99 percent of customers award the company 5 stars. These reviews most frequently highlight the following:

  • Exceptional customer service — frequently highlighting a specific loan officer they worked with by name
  • Competitively low interest rates
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Customer Review: Brittany Lewis from Midvale, Utah

"Shane and Kelly are my guardian angels! They handled our original home loan and then when things were in our favor, they reached out and suggested we do a refinance. And boy am I glad we did. They made the process simple and clear to understand, answered all our questions and helped us save over $200 a month! They will always look out for your best interest!"

Innovative Mortgage Alliance is also prompt in responding to customer reviews on, suggesting that the company cares about its customers and takes feedback seriously.

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The Bad

  • Not Available Nationwide
  • Unclear Loan Products
  • Limited Information Available on Website

Not Available Nationwide

Innovative Mortgage Alliance is licensed to provide mortgages in only 16 states:

  • Alabama
  • Alaska
  • California
  • Colorado
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Missouri
  • Montana
  • North Carolina
  • Ohio
  • South Carolina
  • Tennessee
  • Utah
  • Washington

If you are looking for real estate in any other state that is not listed above, you will have to look into other mortgage lender options.

Unclear Loan Products

The Innovative Mortgage Alliance website details its 30, 20, and 15-year fixed mortgage loans, allowing you to secure low payments that will never change throughout the life of the loan. But, it is unclear if the company offers any other loan types, such as an adjustable rate mortgage (ARM), FHA loan, VA loan, USDA loan, or jumbo loan.

FHA, VA, and USDA loans are backed by government associations, providing lower down payment and private mortgage insurance (PMI) options to borrowers who meet specific requirements. FHA loans, in particular, are a popular choice for first-time homebuyers. While it is unclear if Innovative Mortgage Alliance offers any of these options, many mortgage companies provide these loan types, as well as other specialty loan options. 

Limited Information on Website Available

In addition to no available information on available loan types, Innovative Mortgage Alliance's website doesn't contain any information on refinancing options, or general company information which could be of interest to a homebuyer. To view loan options, rates, and fees, you will need to first provide some information, such as the state you live in, potential home purchase price, and your estimated down payment.


The Bottom Line

Innovative Mortgage Alliance is a great option for those looking for a low mortgage rate in one of the 16 states it services. Those who choose to do business with Innovative Mortgage Alliance will benefit from great customer service and total transparency throughout the whole process.

If you are looking to secure a specialty loan or a government-backed loan, such as an FHA loan, VA loan, or USDA loan, these options may not be available with Innovative Mortgage Alliance.

Currently, Innovative Mortgage Alliance reviews are limited. If you've financed your home purchase with this company, please tell use about your experience by leaving a review.

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