Buy Your Home

Can you buy a home? Don't believe these common misconceptions:

You don't need exceptional credit! Our lenders offer programs for fair & average credit scores.
You don't have to put 20% down! Our lenders offer VA loans and down payment assistance.
You don't need a high monthly income! Our lenders don't cap you at a 45% debt to income ratio.

We have been able to help many of our clients purchase a home despite past credit problems. Our Lending Partner - Summit Funding* has access to home loan programs that can require less money down than a standard security deposit on a rental or rent-to-own home. Note: Owners of Innovative Home Solutions are licensed Loan Officers, employed by Summit Funding, Inc.

When you combine historically low rates, lower home prices, and the tax write-off you receive by making a mortgage payment, buying is often more affordable than renting.

Here are some benefits to buying a home now:

  • Mortgage rates have not been this low for 50 years. Locking in a low rate on a 30 year fixed mortgage will allow you to buy more house with a lower monthly payment and lock in tens of thousands of dollars worth of interest payment savings.
  • Lower home prices combined with a large number of foreclosed properties have created great buying opportunities for anyone looking for a bargain price on a homeWith every payment you make on a mortgage you will build equity in your property and you can stop throwing away your money on rent.
  • Making a mortgage payment will enable you to take advantage of one of the largest tax write-offs available. This can save you thousands of dollars in taxes each year and increase your year-end tax refund.

Complete our "Start Your Free Home Search - Interest Form and make sure to select "Buy" as your primary interest and we will have Summit Funding contact you to discuss this process. If for some reason you are unable to buy now, Summit will send you detailed plan to help you qualify for a home loan in the future. Additionally Innovative Home Solutions will provide access to a free rental search system and numerous other free rental search websites to assist you locating a great home for rent.

Let us help you achieve the numerous benefits of home ownership.


  • The level of customer service we received from Innovative Home Solutions for the purchase of our first home far surpassed that of any other purchase experience. Through the counseling and guidance of our lender, we were able to significantly raise my husband's credit score in a short period of time so we could get pre-qualified...- Becky and Neal Olson
  • Innovative Home Solutions’ preferred lender and their processing team were wonderful to work with.  Everyone kept in constant contact and always returned calls or emails for status updates. We submitted our home loan to them after working with a different broker, and wished we would have started the purchase process with...- Nathan and Jamie Hagerty
  • My wife and I have always wanted to buy our own home, and with Innovative Home Solutions’ help we have been able to achieve this goal. This is a great opportunity for our family. You went above and beyond to help us get our home and we are very grateful for all of your help.- Brooks Cowden

Paula Accetta
437 South Highway 101, Suite 116
Solana Beach, CA 92075
CA DRE LIC. #01723825
Phone: 1.888.812.9501

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Innovative home solutions is not a lender. Contact Summit Funding, Inc. directly to learn more about its mortgage products and your eligibility for such products. Summit Funding, Inc. NMLS ID# 3199 | An Equal Housing Lender | Branch NMLS ID# 1099546 | Branch Manager – Dan Kaminski NMLS ID# 150289 CA BRE ID# 01884523

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Phone - 1.888.713.4102

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