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Unlock the Door to Your New Home

Flexible Financing, Exceptional Service

A woman holding a keychain decorated with a wooden home.

Your Homeownership Journey with Experts You Can Trust

Your Path to the Perfect Mortgage Loan

At Innovations, we believe that finding the right mortgage loan is just as vital as finding your dream home. We offer fixed-rate loans with flexible terms tailored to your budget, no pre-payment penalties, and low closing costs, simplifying the home-buying process so you can focus on making your house a home.

Expert Guidance and Local Insight

Our team of friendly and knowledgeable mortgage loan experts is here to support you every step of the way. We take the time to understand your unique needs, answer your questions, and guide you through the mortgage journey. With deep local insight, we provide personalized solutions tailored to our community, ensuring you make informed decisions that suit your specific situation.

Your Trusted Mortgage Partner

Beyond offering competitive rates and flexible terms, we prioritize building lasting relationships with our members. Our commitment extends beyond the closing date, providing ongoing support and resources to help you manage your mortgage effectively. We are here to support your homeownership journey with flexible services that grow and adapt with you.

Ready to find the perfect mortgage loan for your new home?

Apply for a mortgage loan online, contact our mortgage experts at (850) 249-0414, or email mortgages@InnovationsFCU.org to set up an appointment.

Mortgagee Clause

Please include your loan number when submitting correspondence to this mailing address:

Innovations Financial Credit Union

ISAOA / ATIMA

P.O. Box 654

Carmel, IN 46082

Registered Mortgage Loan Originators

The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 is a federal law that is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan originators (MLO).

MLOs are also required to submit fingerprints to the Nationwide Mortgage Licensing System (NMLS) for submission to the FBI for criminal background checks.

These processes are in place to protect you and we want to assure our members that Innovations Financial Credit Union is in full compliance with all rules and regulations governed by the SAFE Act of 2008.

Following is a full list of our current Registered Mortgage Loan Originators. For more information, please visit the Nationwide Mortgage Licensing System and Registry and type in any of the following NMLS numbers:

Registered Mortgage Loan Originators
NameNMLS#
Christopher Berry2414634
Melanie Allison Cardwell473519
Daniel K. Chaplik770588
Tricia Ann Cottle761834
Sylvia Diane Crider788186
Heather D. Hart689049
Gail Helms689028
Carrie Sloan Infinger791086
Charlane Johnson1567062
Betty Ruth Knight791095
Kelly A. Littlefield774879
Gina Fay Mann791091
Kenny Ray Mitchell767537
George Martin Perrett718487
Charles David Powell1443099
Alexandria Nicole Richter2147004
Brooke Roberts2453548
Britney Hiers Saffold2234256
Rebecca Lafayette Scott1634136
Jonathan Smiley1301536
Lindsey Soltis1848220
Jhonatan A. Urbina2533033
Jacob Willard2153463
Shannon Lynette Williams759186
Innovations Financial Credit Union640383