The Threshold to Your New Home is Within Sight

A home you love is a vital component of an inspired life. Not only will it bless your family with a roof over your heads, but it will also serve as the backdrop to countless milestones and memories. While many of our clients come to us during the pre-approval stage, some find their way to us a little later in the game. If you have already found a home you hope to make your own and are ready to secure a loan, we will walk alongside you from contract to closing.

How It Works

1

Loan Option Exploration

Once your new home is under contract, we will compare several loan options side-by-side to help you decide which option is best for you.

2

Lock in Mortgage Rate

We then typically lock in your rate and start the loan approval process, order the appraisal, order a title commitment from the closing attorney and move your file over to your processor.

3

Conditional Approval

At this point, the underwriter will issue conditional approval, and the loan processor will contact you with a list of any additional documentation needed or to discuss possible conditions of your loan.

4

Clearing Conditions

Once satisfied, the processor will re-submit your file to underwriting to clear those conditions.

5

Official Loan Approval

The underwriter issues final approval or clear-to-close, and the closing department will begin working on your closing documents.

6

Welcome to the Closing Table

Closing marks that happy day when you take possession of your new home.

Benefits of Working with Inspired Mortgage

  • As a Family-Owned Brokerage Company, We Want to Help Other Families Achieve Your Dreams of a First or Forever Home
  • We Invite You to Lean into Our Mortgage Industry Expertise That Spans More Than 25 Years
  • We Pledge That Every Client is Seen and Heard so We Can Create the Best Financing Solutions to Meet Your Needs
  • We are Committed to Learning Your Unique Needs, Removing Any Fears, and Replacing Them with Confidence
  • As a Broker, We have Access to Dozens of Wholesale Lenders, so We can Act as Your Personal Mortgage Shopper to Find the Best Product and the Lowest Rates Available to You

FAQs

Inspired Mortgage Brokers can get the ball rolling immediately and often close within 15 days after you complete your loan application.

You will need to wire funds to the closing attorney to cover the down payment, closing costs, any pre-paid items for homeowner’s insurance, property taxes, and HOA dues, if applicable.

Not unless that’s what you wish to put down. Depending on your credit profile, you can put as little as 3% down for conventional financing up to loan amounts of $726,200. We also have jumbo investors that will allow you to put just 5% down, again depending on your credit profile.

For conventional, FHA, and VA, you can use gift funds for all of your cash to close. Jumbo investors typically require at least 5% to come from the borrower’s funds.

Yes! Inspired Mortgage Brokers is proud to offer “Lock and Shop” options.

We do, indeed! Depending on your income, you may qualify for discounted mortgage insurance and down payment assistance.

Client Testimonials

The process was incredibly easy and low stress. Todd was VERY responsive, which made a world of difference compared to mortgages I have gotten in the past. The closing firm also sang his praises saying it was one of the easiest closes they have ever had and they wish all buyers used TMF! I will recommend Todd to family and friends when they purchase a home or refinance. Thanks for making this experience so great!

Virginia R K

This was my first time buying a house and Todd ensured that we understood the full process and was available for question. At closing it was great to meet Todd in person. He was very personable and I know i can go to him with any questions that may arise in the future.

Xylona P

Todd and his whole team were the most professional, clearest communicators, and overall best home loan partners we’ve ever had – – and this was our sixth home buying experience. I think this is our forever home, but he’ll be our first call (or second, after our fab realtor) should we ever find ourselves in the market again. Thank you so much, Todd and team! It was a real pleasure.

Katherine K T

Todd & Danielle were both extremely kind and helpful throughout the process of me purchasing my home. Todd was very realistic and offered advice to me throughout the process. His communication was amazing, and it helped to break up what could be a very overwhelming process.

Kristen E W

My first time buying home could not have been smoother thanks to Todd and his team.

Niklas T T

We have purchased many homes in the past Todd and his team made the process easy and efficient. They were extremely responsive. We highly recommend!

Jerome M B

From my 1st conversation thru the loan closing, Todd,& Danielle made this whole loan process painless, after going thru the arduous Journey of finding a house, The Firm was easy to deal with!

Daniel E P

Todd and team did a great job! Super communicative. Personally, I love when things were busy he (Todd) would just call or text so we would make something a priority! It was a pleasure and a great experience!

Emily J R

Todd was awesome. Worked with me and my fiance. He was nice and friendly. The best part is he kept us updated on everything. Would 100% recommend.

Richard NE

Communication was superlative. Always advised of next steps in advance. Staff reachable for questions. Overall a seemingly complex process made simple on my end.

Cynthia A M