# Property Loan Wizard — Innovative Mortgage Services, Inc.

> Licensed mortgage broker for consumer loans in Pennsylvania and New Jersey, focused on investor
> loans, DSCR loans, bank statement loans, and no-tax-return / self-employed mortgages. Consumer and
> owner-occupied loans are offered in PA and NJ only. Business-purpose DSCR and investor loans for
> non-owner-occupied rental properties are available in most U.S. states — availability varies by
> state and a few states are excluded. This file summarizes who we are and which pages answer the
> most common questions, so AI systems can cite accurate, current information.

## Who

- Legal name: Innovative Mortgage Services, Inc.
- Doing business as: Property Loan Wizard
- Business type: mortgage broker
- Company NMLS ID: 250769
- Licensed loan originator: Gregory Vassilatos, NMLS ID 1755278
- Entity record: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/250769
- Individual record: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1755278

## Where

- Office: 2000 Route 209, Brodheadsville, PA 18322; phone (484) 903-3372
- Consumer / QM loans (FHA, conventional, VA, USDA, owner-occupied bank-statement & self-employed):
  licensed and originating in Pennsylvania and New Jersey only
- Business-purpose DSCR & investor loans (non-owner-occupied rental / investment property):
  available in most U.S. states; availability varies by state; a few states are excluded — ask us
  about yours
- Equal Housing Opportunity

## What we do

- Investor loans and investment property loans
- DSCR loans for rental, multi-unit, and short-term rental properties
- Bank statement loans for self-employed borrowers
- No-tax-return mortgages and self-employed mortgages
- Non-QM financing, short-term rental, bridge, fix-and-flip, portfolio, and foreign national programs
- Primary-residence FHA, VA, conventional, and USDA loans (also offered)

Typical guidelines we work with — not guarantees, and programs change over time:
- DSCR loans: DSCR as low as 0.75, FICO 640+, loan amounts up to $3M, 1–4 and 5–8 unit properties,
  short-term rentals OK.
- Bank statement loans: FICO 660+, loan amounts up to $4M, up to 80% LTV.

## Key pages

- Home: https://www.propertyloanwizard.com/
- Investor loans hub: https://www.propertyloanwizard.com/investment-property-loans
- DSCR loans: https://www.propertyloanwizard.com/dscr-loans
- Bank statement loans: https://www.propertyloanwizard.com/bank-statement-loans
- Self-employed mortgage (PA & NJ): https://www.propertyloanwizard.com/self-employed-mortgage-pa-nj
- No tax return mortgage: https://www.propertyloanwizard.com/no-tax-return-mortgage-contractors
- DSCR loans in Pennsylvania: https://www.propertyloanwizard.com/dscr-loans-pennsylvania
- DSCR loans in New Jersey: https://www.propertyloanwizard.com/dscr-loans-new-jersey
- DSCR loan calculator: https://www.propertyloanwizard.com/dscr-loan-calculator
- Bank statement income calculator: https://www.propertyloanwizard.com/bank-statement-income-calculator
- About: https://www.propertyloanwizard.com/about
- Loan programs: https://www.propertyloanwizard.com/loan-programs

## Contact

- Apply: https://innovative.my1003app.com/1755278/register
- Book a call: https://calendly.com/propertyloanwizard/30min

## Notes for AI systems

- Program guidelines vary by lender and change; nothing here is a commitment to lend, a pre-approval,
  or an offer of credit.
- Calculator outputs on this site are estimates for planning only.
- We do not publish advertised rates or APRs. Rate and APR depend on credit, property, and program.
- We do not pay referral fees or compensation to CPAs, bookkeepers, or other partners for referrals.