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


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.


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.


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.


Clearing Conditions

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


Official Loan Approval

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


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


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