All Florida Home Loans, a division of Innovative Mortgage Services, is a direct residential lender serving the entire state of Florida. We offer in-house underwriting and processing, and our aggressive secondary market relationships afford us to compete with amazing rates to our retail clients. Here are just some of the programs and niches we provide: FHA/VA Loans to 500 Credit No Tax Return Loans Foreign National Loans to 75% Private and Commercial Loans 90% Condo Financing Bank Statement Programs Investor Loans Jumbo Loans to $25MM