The Blog

Good Information, Plain English

Mortgage guidance from nearly three decades at the closing table, written for real people making real decisions.

Tips to achieve a smooth home loan process
Buying a Home
Tips to achieve a smooth home loan process
Jul 13, 2026
As a sales pro, do you have a Buyer Retrieval System to follow up with prospects?
Self-Employed
As a sales pro, do you have a Buyer Retrieval System to follow up with prospects?
Jun 25, 2026
What are the most asked questions from first-time homebuyers?
Buying a Home
What are the most asked questions from first-time homebuyers?
Jun 24, 2026
VA Home Loans in Texas: A Veteran's Step-by-Step Guide
VA & Government Loans
VA Home Loans in Texas: A Veteran's Step-by-Step Guide
Jun 3, 2026 · 7 min read
Self-Employed in Texas? How Bank Statement Loans Work
Self-Employed
Self-Employed in Texas? How Bank Statement Loans Work
May 27, 2026 · 6 min read
When Does Refinancing Make Sense? A Simple Break-Even Guide
Refinancing
When Does Refinancing Make Sense? A Simple Break-Even Guide
May 19, 2026 · 6 min read
Down Payment Assistance Programs Every Texas Buyer Should Know
Buying a Home
Down Payment Assistance Programs Every Texas Buyer Should Know
May 12, 2026 · 7 min read
Equal Housing Lender Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Michael Brunelli, NMLS #338458  |  Innovative Mortgage Services, Inc., NMLS #250769

Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit. All calculators and rate displays on this site provide estimates for educational purposes only and do not constitute a loan offer.

Michael Brunelli originates mortgage loans in Texas and, through Innovative Mortgage Services, Inc., can serve borrowers in Alabama, California, Colorado, Connecticut, Florida, Georgia, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Nebraska, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and Washington. Verify licensing at the NMLS Consumer Access website. This website is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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