What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Inspired Mortgage Brokers

Home
United States
Alpharetta, GA
Inspired Mortgage Brokers

Call Directions Website Contact the business

Relationship-driven, compassionate, full-service mortgage broker℠

10/29/2026

Todd told a family not to buy the perfect house.

They'd found it. They could buy before selling. But one of their daughters was starting private school, and that tuition was a new line in their budget.

The plan depended on re-amortizing their loan to lower the payment. When the timing didn't line up, Todd walked them through why waiting made more sense.

They waited.

A quick note on recasting: you pay a lump sum toward principal, your lender re-amortizes the loan, and your payment drops. Same rate. No requalifying. Fees are usually a few hundred dollars, and most conventional loans allow it.

The right mortgage fits your whole budget, including what's coming next.

told a family not to buy the perfect house.

They'd found it. They could buy before selling. But one of their daughters was starting private school, and that tuition was a new line in their budget.

The plan depended on re-amortizing their loan to lower the payment. When the timing didn't line up, Todd walked them through why waiting made more sense.

They waited.

A quick note on recasting: you pay a lump sum toward principal, your lender re-amortizes the loan, and your payment drops. Same rate. No requalifying. Fees are usually a few hundred dollars, and most conventional loans allow it.

The right mortgage fits your whole budget, including what's coming next.

10/26/2026

Past clients, Todd has a question for you. 👋

When's the last time your mortgage got a checkup?

3 things he reviews:

1. Your equity. A higher home value may mean you can drop PMI. On most conventional loans, you can request removal at 20% equity.
2. Your rate vs. your plans. A refi only makes sense if the savings beat the costs before you'd move.
3. Your goals. Renovation? College? Your mortgage should fit what's next.

No pitch. Send Todd a message that says "checkup," and he'll pull your file.

10/22/2026

Planners: year-end reviews are here. 3 mortgage moves worth flagging.

1️⃣ The client with cash and a higher-rate loan
A bonus, inheritance, or home sale can fund a recast. The fee is usually a few hundred dollars. The payment drops, and the rate stays put. Most conventional loans allow it. FHA and VA loans usually don't.

2️⃣ The self-employed client who wants to buy
Lenders typically average 2 years of tax returns. A big write-off this December can shrink the income they qualify with in 2027. Loop us in before the tax plan is final.

3️⃣ The client buying in Q1
On a conventional loan, any deposit over 50% of monthly income usually needs a paper trail. No new credit. And a lender conversation before January 1.

Happy to be a second set of eyes on any of these.

Which one comes up most in your reviews?

10/20/2026

If you've closed with Todd, you know what's coming. 🍪

Homemade chocolate chip cookies. Baked by our founder. Waiting at the closing table.

By closing day, our clients have gathered the documents, waited out underwriting, and signed what feels like 100 pages. Todd figures they've earned something better than a pen.

He also says the recipe and the mortgage have a lot in common:

1. Measure first. Real numbers beat guesses.
2. Prep before you preheat. Get your documents lined up early.
3. Don't open the oven early. Some steps take time.

Get those right, and closing day is the sweet part.

Past clients: did you save yours for later, or eat it in the parking lot?

10/15/2026

Self-employed? Retired? Living on 3 income streams?

Then you've probably heard it: "Your situation is complicated."

Here's why that happens.

Most loans lean on 2 years of tax returns. Write off $80K in business expenses, and a lender may count $80K less income. Smart tax planning. Tough paperwork.

There are 2 paths built for exactly this:

→ Bank-statement loans may use 12 or 24 months of actual deposits
→ Asset-based loans may count your savings and investments toward qualifying

Neither fits everyone. Your full financial picture decides which one does.

Has a lender ever called your finances "complicated"?

10/12/2026

Waiting on rates? There's another way to lower your payment.

It's called a rate buydown. Someone pays an upfront cost, and your interest rate drops. Often, that someone is the seller.

2 versions:

→ Temporary (2-1): your rate is 2 points lower in year 1 and 1 point lower in year 2. Full rate starts in year 3.
→ Permanent: you pay points at closing. Each point costs 1% of the loan amount, and the lower rate stays for the life of the loan.

Nearly 1 in 4 metro Atlanta listings had a price cut in September. Sellers are negotiating, and a seller-paid buydown is a fair ask.

Check 2 things first:

1. Can you comfortably afford the year 3 payment?
2. Will you keep the loan long enough to earn back the cost?

2 yeses? Let's talk.

10/08/2026

Is it a terrible time to buy a home in Atlanta?

Buyers here have more leverage than they've had in years.

→ 72.8% of metro Atlanta home sales in August came with seller concessions. That's the highest of the major metros Redfin analyzed.
→ 23.7% of Atlanta listings had a price cut in September. Nearly 1 in 4.
→ Active listings were up 4.3% from a year ago.

Concessions can cover closing costs. They can also fund a rate buydown that lowers your monthly payment.

Rates still matter. So does your budget.

If you've been waiting for leverage, you've got some.

Realtors, how often are concessions showing up in your deals?

10/06/2026

What if "How much can I qualify for?" isn't the first question to ask?

Our founder, Todd Sheppard, joined Genevieve George on The Wealth Development Studio to talk about today's mortgage market and what it means for buyers, homeowners, and divorcing couples.

Here's some of what they covered:
→ Why so many homeowners with low rates are staying put, and what could change that
→ A low-cost way to lower your monthly payment without refinancing
→ How to tell if buying down your rate is worth the upfront cost
→ How divorcing spouses can buy a new home while still on the old mortgage

One idea runs through all of it: An online application can't learn your situation, and it doesn't let you tell your story.

Your story is what shapes the right plan.

🎧 The full episode is out now on Apple Podcasts, Spotify, and Amazon Music. [Link in bio / Link in comments]

Thank you, Genevieve and , for having Todd on.

Which of these questions is on your mind right now?

10/01/2026

Strategy four, and the final one: a gift from family.

A parent, grandparent, sibling, aunt, uncle, cousin, basically anyone who'd show up at your wedding, can gift funds toward your down payment. We handle a signed gift letter and verify the funds, and once your home sells, you can even arrange to pay it back. 👆

That's all four ways to make a bigger down payment without draining your savings. Which one fits your situation? Questions below. 👇

09/29/2026

Strategy three: a 401(k) loan, and that word matters.

Because it's a loan, not a withdrawal, you avoid the taxes and the 10% early-withdrawal penalty (as long as you pay it back). Most plans let you borrow up to 50% of your vested balance, up to $50,000. 👆

When your home sells, you pay it back. Three down, one strategy to go. Questions? Drop them below.

Address

Alpharetta, GA
30022

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+14705670090

Website

http://www.getinspiredmortgagebrokers.com/

Alerts

Be the first to know and let us send you an email when Inspired Mortgage Brokers posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.