Your Mortgage Planner for Life.
Since 1996, Michael Brunelli has helped thousands of homeowners buy an existing home, build a new one, invest in real estate or refinance their current home loan, with a mortgage plan built around your financial goals, not just a rate sheet.
“He kept me informed every step of the way, and he cared about me.”
NMLS #338458 · Innovative Mortgage Services, Inc.
A mortgage plan, not just a loan
Anyone can quote a number. Michael starts with your monthly AND down payment desires, then tailors a mortgage that fits your short- and long-term financial planning, so the loan you close serves the life you're building.
A Plan Built Around You
Your mortgage is aligned with your financial planning goals, payment strategy, and what comes next for your family.
Straight Answers, Fast
Clients consistently say the same thing: Michael keeps you in the loop at every step. No chasing, no surprises, no waiting a week for a callback.
The Right Fit From 100+ Lenders
Through Innovative Mortgage Services, Inc., Michael shops your scenario across more than one hundred lenders, so the program fits you, not the other way around.
Whatever you’re buying, there’s a right way to finance it
From first homes to investment portfolios, twelve program families, one careful guide.
Conventional Loans
The flexible classic for buyers with solid credit, primary homes, second homes, and investment properties.
Learn moreFHA Loans
Forgiving credit guidelines and accessible entry costs make FHA a favorite first step into homeownership.
Learn moreVA Loans
Earned by service. Exceptional terms for veterans, active-duty service members, and eligible surviving spouses.
Learn moreUSDA Loans
Affordable financing for homes in eligible rural and suburban communities across Texas and beyond.
Learn moreFirst-Time Buyers
A guided, plain-English path to your first home, with programs designed to make buying achievable.
Learn moreJumbo Loans
Financing beyond conforming limits for higher-value homes, with structures tailored to your goals.
Learn moreRefinance
Restructure your mortgage around today's goals. Your term, your payment strategy, your plan.
Learn moreCash-Out Refinance
Put the equity you've built to work, renovations, consolidation, education, or investment.
Learn moreRenovation Loans
Buy and improve with one loan, turn the almost-right house into exactly the right home.
Learn moreBank Statement Loans
Self-employed? Qualify with your real cash flow, bank statements instead of tax returns.
Learn moreDSCR Loans
Investor financing that qualifies on the property's rental income, not your personal tax returns.
Learn moreNon-QM Loans
Outside-the-box solutions when your story doesn't fit inside a standard underwriting checkbox.
Learn moreFour steps from “hello” to home
We Talk
A real conversation, in person, over Zoom or by phone, about your goals, your timeline, and your payment comfort zone.
We Plan
Michael builds a mortgage plan around a monthly payment and amount available for down payment then aligns those with your bigger financial picture.
We Match
Your scenario is shopped across 100+ lenders to find the program and structure that genuinely fit.
We Close
Clear updates at every milestone, so closing day feels like a celebration, not a cliffhanger.
Michael Brunelli · NMLS #338458
Innovative Mortgage Services, Inc. · NMLS #250769
Over three decades of making home-buying dreams real
Since 1996, Michael has helped thousands of people become homeowners. His customer-service background, extensive loan program knowledge, and command of underwriting guidelines are why clients come back, first home, next home, and every home after that.
On a personal note
Michael is a first-generation Italian American, the eighth of nine kids, raised in Tyler, Texas, and earned a BBA with an emphasis in Marketing from the University of North Texas. Off the clock you’ll find him cooking, tackling DIY projects, watching sports, and spending time with his three adult kids and four grandkids.
Why clients rave about the experience
Real words from real closing tables.
“This by far has been the best financial experience to date. Michael made this painless, stress-free, and downright easy. He kept me informed every step of the way, and he cared about me.”
“Michael and his team were rockstars. When it took another lender a week to respond about rates, Michael had us locked in in one night. As always, exceptional!”
“We believe that had we gone a different route with a different lender, we would not have been able to close on the house at all. Michael was absolutely integral, without a doubt.”
“Working with you has really been so much easier and less stressful than with the previous lender. I greatly appreciate all of your assistance.”
“It was the most painless process I've experienced with buying or refinancing a home.”
“Michael was fantastic. He always got back to us in a timely manner and was very professional and helpful. He made this stressful process easy. We were lucky to have him!”
Good decisions start with good information
Let’s build your mortgage plan
Start the application in minutes, or have a conversation first, whichever feels right. Either way, you’ll get straight answers.
Questions? Let’s talk it through
No pressure, no obligation, just a clear read on your options.
Service Area
DFW Metroplex · Serving All of Texas
Plus 24 more states through Innovative Mortgage Services, Inc.
