Innovative Mortgage Services
Innovative Mortgage Services

About Us

Team Innovative, located in Central Florida, is part of Innovative Mortgage Services, Inc. located in Lutz, Florida, a premier mortgage lending source providing both direct lending and broker services anywhere in the state of Florida.  Giles Wardian serves as team lead and is a senior mortgage loan originator with nineteen years of experience.  Team Innovative operates on a unique platform whereby we are able to originate loans as a direct lender through not one, but seven warehouse lines for effective underwriting and direct funding at closing.  This translates into more informed underwriting requirements and decisions which in turn provide timely loan closings. 

 

Team Innovative is able to additionally leverage and source nearly fifty other lenders which allow for “out of the box” underwriting for those clients that have unique circumstances such as:

  • Complexities of self-employment
  • Recent derogatory housing events (Bankruptcy or foreclosure less than two years)
  • Foreign National & Work Visa buyers
  • Purchase/Rehab loans that allow buyers to include the cost of upgrades and repairs in the original mortgage at time of purchase
  • Credit challenges:  (We frequently perform a quick credit analysis in order to determine if there is a short term solution to the client’s credit challenge.  This proprietary analysis tool has a high degree of success in identifying quick fixes which result in a “qualified” buyer which may have recently not been able to qualify.)

 

Our team members understand the complexity of the mortgage industry and the importance of working closely with each client to identify their unique needs.  Each team member focuses on working one-on-one with each client to help them identify the product that will best serve their needs.  Our multi-lending platform combines several years of lending experience and allows us to leverage 1) Aggressive pricing, 2) Personal in-house service, 3) More lending options than the big banks or large internet lenders.

 

Team Innovative, your premier mortgage lending source providing both direct lending and broker services anywhere in the state of Florida.

Giles has been providing sound mortgage advice to Florida residents for over nineteen years.  In 2001 he started his own mortgage company in Central Florida where he served as president of Christian Mortgage Services, Inc. He has since adapted to a team business model which allows him to focus on customer service and mortgage loan originating via a platform that supports more effective lending solutions.  He joined Innovative Mortgage Services in June of 2011, and is excited to be a part of a team that offers far better service and more options than a bank can offer their clients.  With this competitive edge, aggressive pricing, and the best in service, Giles continues to grow his mortgage business through referrals from satisfied clients and Realtor professionals alike.

Mortgage Banking Specialist

 

Giles Wardian

Phone: (407) 963-1151

Email: floridaaps@gmail.com

Services Provided by: Giles Wardian of Team Innovative (407) 963-1151

Licensed Mortgage Specialist NMLS #349296

Innovative Mortgage Services, Inc. NMLS #250769

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