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  5. INNOVATIVE MORTGAGE SERVICES, INC.

INNOVATIVE MORTGAGE SERVICES, INC. - Florida Company Profile

Headquarter

Company Details

Entity Name: INNOVATIVE MORTGAGE SERVICES, INC.
Jurisdiction: FLORIDA
Filing Type: Domestic Profit

INNOVATIVE MORTGAGE SERVICES, INC. is structured as a Domestic Profit Corporation, which, in Florida signifies a Profit Corporation (also known as a C-Corporation). This business structure is recognized as a separate legal entity from its owners. This offers shareholders the benefit of limited liability protection, safeguarding their personal assets from the corporation's debts and obligations, and facilitates raising capital through the issuance of stock. In Florida, Domestic Profit Corporations are governed by Title XXXVI, Chapter 607, Florida Statutes – Florida Business Corporation Act.
Status: Active

The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.

Date Filed: 07 Jun 2004 (21 years ago)
Document Number: P04000087888
FEI/EIN Number 510510484

Federal Employer Identification (FEI) Number assigned by the IRS.
Mail Address: 3026 Wentworth Way, Tarpon Springs, FL, 34688, US
Address: 17717 Hunting Bow Circle, Suite 101, Lutz, FL, 33558, US
ZIP code: 33558
County: Hillsborough
Place of Formation: FLORIDA

Links between entities

Type Company Name Company Number State
Headquarter of INNOVATIVE MORTGAGE SERVICES, INC., RHODE ISLAND 001770255 RHODE ISLAND
Headquarter of INNOVATIVE MORTGAGE SERVICES, INC., ALABAMA 000-319-713 ALABAMA
Headquarter of INNOVATIVE MORTGAGE SERVICES, INC., COLORADO 20221781084 COLORADO
Headquarter of INNOVATIVE MORTGAGE SERVICES, INC., CONNECTICUT 2804364 CONNECTICUT

Legal Entity Identifier

LEI number Registered As Jurisdiction Of Formation General Category Entity Status Entity created at
5493000C0P21E1ZOQ771 P04000087888 US-FL GENERAL ACTIVE 2004-06-07

Addresses
Legal C/O EHRLICH, BRYAN P, 3026 Wentworth Way, Tarpon Springs, US-FL, US, 34688
Headquarters 17717 Hunting Bow Circle, Suite 101, Lutz, US-FL, US, 33558

Registration details
Registration Date 2017-11-13
Last Update 2023-11-15
Status LAPSED
Next Renewal 2023-11-14
LEI Issuer 5493001KJTIIGC8Y1R12
Corroboration Level FULLY_CORROBORATED
Data Validated As P04000087888

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2023 510510484 2024-05-23 INNOVATIVE MORTGAGE SERVICES, INC. 7
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2022 510510484 2023-02-24 INNOVATIVE MORTGAGE SERVICES, INC. 7
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2021 510510484 2022-03-08 INNOVATIVE MORTGAGE SERVICES, INC. 6
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2020 510510484 2021-05-17 INNOVATIVE MORTGAGE SERVICES, INC. 4
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2019 510510484 2020-03-23 INNOVATIVE MORTGAGE SERVICES, INC. 4
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558
INNOVATIVE MORTGAGE SERVICES, INC. 401(K) PLAN 2018 510510484 2019-04-15 INNOVATIVE MORTGAGE SERVICES, INC. 6
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2018-01-01
Business code 522292
Sponsor’s telephone number 7273728059
Plan sponsor’s address 17717 HUNTING BOW CIRCLE, STE 101, LUTZ, FL, 33558

Key Officers & Management

Name Role Address
EHRLICH BRYAN P Chief Executive Officer 3026 Wentworth Way, Tarpon Springs, FL, 34688
Ehrlich Suzanne M Chief Operating Officer 3026 Wentworth Way, Tarpon Springs, FL, 34688
EHRLICH BRYAN P Agent 3026 Wentworth Way, Tarpon Springs, FL, 34688

Fictitious Names

Registration Number Fictitious Name Status Filed Date Expiration Date Cancellation Date Mailing Address
G25000047335 NEXTLEVEL LENDING ACTIVE 2025-04-07 2030-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G25000028868 GOLD STAR INNOVATIVE MORTGAGE ACTIVE 2025-02-26 2030-12-31 - 17717 HUNTING BOW CIRCLE, UNIT 101, LUTZ, FL, 33558
G25000028890 KB FINANCIAL GROUP ACTIVE 2025-02-26 2030-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000156907 FLORIDA DREAM HOME LOANS ACTIVE 2024-12-27 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000129299 CLOSE WITH PAM AND TARA ACTIVE 2024-10-21 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000115855 GABRIEL HOME LOANS ACTIVE 2024-09-16 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000072908 ALL ABOUT U MORTGAGE ACTIVE 2024-06-12 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000045474 META USA MORTGAGE ACTIVE 2024-04-02 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000038791 SHAQ THE LOAN GURU ACTIVE 2024-03-18 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688
G24000035392 INVESTMENT REALTY, MORTGAGE SERVICES ACTIVE 2024-03-08 2029-12-31 - 3026 WENTWORTH WAY, TARPON SPRINGS, FL, 34688

Events

Event Type Filed Date Value Description
CHANGE OF PRINCIPAL ADDRESS 2018-01-11 17717 Hunting Bow Circle, Suite 101, Lutz, FL 33558 -
CHANGE OF MAILING ADDRESS 2016-01-22 17717 Hunting Bow Circle, Suite 101, Lutz, FL 33558 -
REGISTERED AGENT ADDRESS CHANGED 2016-01-22 3026 Wentworth Way, Tarpon Springs, FL 34688 -

Documents

Name Date
ANNUAL REPORT 2025-01-26
ANNUAL REPORT 2024-02-01
ANNUAL REPORT 2023-01-27
ANNUAL REPORT 2022-01-30
ANNUAL REPORT 2021-01-10
ANNUAL REPORT 2020-01-19
ANNUAL REPORT 2019-02-22
ANNUAL REPORT 2018-01-11
ANNUAL REPORT 2017-01-09
ANNUAL REPORT 2016-01-22

CFPB Complaint

Complaint Id Date Received Issue Product
4195959 2021-03-09 Closing on a mortgage Mortgage
Tags Servicemember
Issue Closing on a mortgage
Timely Yes
Company Innovative Mortgage Services, Inc.
Product Mortgage
Sub Product FHA mortgage
Date Received 2021-03-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-03-09
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I closed on a mortgage in XX/XX/2020 with a rate of 4.25 %. At that time rates were in the 2s no matter what credit report was like. This was an fha loan. 3 people on loan ... XXXX $ to put down. Usually if this happens to a person it is to get money back at close. This did not happen. I paid XXXX XXXX of innovative mortgage ... XXXX XXXX XXXX over XXXX $ the broker was to find a lender in my best intrest. He did not. Since i have refinanced to a much lower rate.
Consumer Consent Provided Consent provided
3481805 2019-12-30 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company Innovative Mortgage Services, Inc.
Product Mortgage
Sub Product Other type of mortgage
Date Received 2019-12-30
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-01-06
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
5859835 2022-08-09 Closing on a mortgage Mortgage
Tags Servicemember
Issue Closing on a mortgage
Timely Yes
Company Innovative Mortgage Services, Inc.
Product Mortgage
Sub Product VA mortgage
Date Received 2022-08-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-08-09
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I contacted Innovative Mortgage, XXXX XXXX Mortgage regarding a VA loan for the purchase of the Property. After receiving the initial loan estimate, I noticed that the broker fees were twice the Veterans Administration maximum allowed per the Veterans Administration guidelines. Specifically, the broker fees were in the amount of 2 %, whereby the maximum of allowed per VA guidelines is 1 %. When I notified the mortgage broker of this error and that the VA maximum 1 % percentage, the lender improperly conspired with XXXX to revise the purchase terms so that the mortgage paperwork would demonstrate a 1 % broker fee while still ultimately charging me the equivalent of a 2 % broker fee from my own funds. They " artificially '' reduced my initial deposit and coordinated with the seller to say that the funds were from the seller when in fact, they reduced my deposit in order to have the seller use my already deposited funds to a the 2 % broker fee. So, on paper, it would look like they abided by the law, but in reality they just forced me to pay over the maximum 1 % rule. At this juncture, I was left with no choice but to execute the Property purchase documents, under duress, as my Client had to close on the Property purchase by XX/XX/2022, or compensate the seller an additional {$12000.00} for the purchase price. As a result, I was coerced by XXXX Mortgage and XXXX to execute the Purchase paperwork with the improper brokerage fee that is in clear violation of Veterans Administration guidelines. This resulted in me paying an additional {$3200.00} for improper broker fees. Moreover, Innovative failed to lock in the loan at the appropriate rate when instructed to do as such. Accordingly, the quoted rate went from 4.75 % to 5.5 %. This equates to an additional {$180.00} in payment over the life of the loan which could be well over {$50000.00} during the loan period. I notified the lender and they have responded saying that they did not do anything wrong, when clearly they concocted a scheme to make me pay a 2 % broker fee when the VA doesn't allow this. Further, they caused me financial harm. After initially signing a floating lock dislcosure, I notified the broker to lock the loan, they said they would, they forgot and texted me saying that the rate had gone up from 4.75 % to 5.5 % - causing my payment to be {$180.00} higher per month. The response from the lender does NOT show the attached initial CD which shows they were charging XXXX points. And then they do not communicate in their response how they coordinated with XXXX XXXX to falsely show that XXXX XXXX paid 1 % seller credit. They did not. They used smoke and mirrors to reduce my deposit by {$3200.00} and show a fantom 1 % seller credit that XXXX homes did NOT pay for. They simply used my deposit of {$10000.00} and reduced it and had XXXX show a phantom credit only to make it look like XXXX homes paid a 1 % seller credit when in fact they did not. Which is in violation of the VA maximum 1 % borrower origination fee rules.
Consumer Consent Provided Consent provided

Paycheck Protection Program

Loan Number Loan Funded Date SBA Origination Office Code Loan Delivery Method Borrower Street Address
3913407310 2020-04-29 0455 PPP 3026 Wentworth Way, Tarpon Springs, FL, 34688
Loan Status Date 2021-10-23
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 55000
Loan Approval Amount (current) 115500
Undisbursed Amount 0
Franchise Name -
Lender Location ID 123499
Servicing Lender Name BayFirst National Bank
Servicing Lender Address 700 Central Avenue, Saint Petersburg, FL, 33701
Rural or Urban Indicator U
Hubzone N
LMI N
Business Age Description Unanswered
Project Address Tarpon Springs, PINELLAS, FL, 34688-0001
Project Congressional District FL-13
Number of Employees 6
NAICS code 522310
Borrower Race Unanswered
Borrower Ethnicity Not Hispanic or Latino
Business Type Subchapter S Corporation
Originating Lender ID 123499
Originating Lender Name BayFirst National Bank
Originating Lender Address Saint Petersburg, FL
Gender Unanswered
Veteran Unanswered
Forgiveness Amount 117009.41
Forgiveness Paid Date 2021-09-02

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Companies related by address

3026 Wentworth Way, Tarpon Springs, FL, 34688, US

BRYAN P. EHRLICH, P.A.

17717 Hunting Bow Circle, Suite 101, Lutz, FL, 33558, US

WALEK ,TURNER & ASSOCIATES, LLC

Date of last update: 03 Apr 2025

Sources: Florida Department of State

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