Don't wait for rates to drop, we'll lower them for you!
Whether you're buying your first home or moving up, we design your mortgage around one goal —
helping you win in today’s market.
1% Temporary Rate Buydown — Year One
We reduce your interest rate by 1% for the first 12 months, lowering your initial monthly payment and helping you ease into homeownership.*
Pick ANY home in the market
You’re not limited to “New Construction.” Choose the home you love — new construction or resale — and we structure the financing to match your goals.

Competitive Market Rates — Strategically Structured
Rates change daily. What matters is how your loan is structured. We help you choose the right program, term, and strategy — not just a headline rate.
Fast Online Pre-Qualification
Apply digitally in minutes and receive clear numbers upfront — so you can shop confidently and make strong offers.
Enter your own information and estimate your savings with a 1–0 Temporary Rate Buydown. This calculator is set for Year 1 rate reduction only. All fields are required.
| Year | Interest Rate | Subsidized Payment | Monthly Difference | Annualized | Total Subsidy |
|---|---|---|---|---|---|
| 1 | — | — | — | — | — |
| Remaining Term | — | — | N/A | N/A | — |
Estimates are for planning only and may not reflect final loan terms. Subject to program guidelines, credit approval, and underwriting.

Find The Right Home — Not Just Any Home
Browse the best homes and schedule a showing when you find one you want to see or several — we’ll take care of the rest.

Know Your Buying Power Before You Shop
With our trusted mortgage team, know exactly what you can afford in minutes — so you can shop with confidence.

Get An Amazing Mortgage Rate
Buy and finance with us and we’ll knock 1% off your mortgage rate in year one.
Ready to get started?
We’re proud to sponsor the ANPC Top Gun Speed Serve Showdown — one of the most exciting pickleball events of the year.
At In The Kitchen Realty and Exceptional Mortgages, we believe in showing up for our community — on and off the court. Just like in real estate, performance matters. Strategy matters. Speed matters.
Whether you're competing for the fastest serve or competing to win your dream home, we’re here to help you dominate your next move.
Trusted by buyers and sellers across North Georgia
Strategic financing including our 1% Year-One Rate Reduction
Real estate + mortgage expertise under one roof

Bob Shiller — Owner & Broker of In The Kitchen Realty and Exceptional Mortgages
With over 20 years of experience in real estate and lending, Bob helps families buy smarter, structure stronger offers, and lower their payments the right way.
Unlike most agents or lenders, Bob understands both sides of the transaction — so you get one clear strategy, not conflicting advice.
20+ years guiding buyers and sellers through complex markets
Licensed broker + mortgage strategist — one coordinated plan
Negotiation-focused approach to help you win competitive offers
Creative financing options, including 1% Year-One Buydowns
Clear numbers, honest advice, no pressure

Buyer's guide:
The pre-approval mistake that weakens your negotiating power
Why most buyers overpay (and how to prevent it)
How to gain access to homes not publicly listed
The counteroffer strategy sellers don’t expect
The inspection negotiation blueprint
What happens if the appraisal comes in low
The 7 things that can delay (or kill) a closing
How to protect your earnest money
What no one explains about title, disclosures, and legal protections
How to move in stress-free
Seller's guide:
The pricing mistake that kills momentum
Why the first 10 days determine your final sale price
How buyers actually decide what your home is worth
The marketing gap between average agents and top-tier listings
What really happens when you “just test the market”
How to turn inspections into leverage
The truth about overpricing
What buyers don’t tell you — but their agent does
How to create bidding wars (when possible)
What to do before you list (that most sellers skip)
Honest experiences from homeowners who trusted us with their move.
We were juggling two home sales, a multi-generational move, and very different priorities across four adults (plus two kids!), and Bob guided us through it all with patience, humor, and expertise. He helped us narrow down locations, figure out the right floor plan, and ultimately find a home that worked for everyone, including easy access for aging grandparents and plenty of room for young children and pets. Bob also marketed and sold both our homes quickly and effectively, utilizing professional photos, staging, and a comprehensive social media and email strategy. He’s a savvy, flexible negotiator who stays focused on the end goal of getting us across the finish line and made a complicated process feel manageable.
Bob is a professional. He helped me buy and sell several houses. In every case, his knowledge and skill were essential in closing the deals.
I have Bob twice to buy my house and to sell it, both times was a very good experience.
In the Kitchen Realty was a lucky choice I made out of many. Had a very great process both selling and buying with Bob Shiller. Very professional but fun guy to work with. Would certainly do business again! Highly recommend!
Working with Bob Shiller was great! We have purchased and sold through Bob Shiller on a number of properties and have always had a great experience. Bob is very professional, patient and was able to help us jump through all the hoops of buying and selling a property. Would highly recommend his team! Great Experience!
Bob is great. Straightforward and honest. He knows the market and is very helpful.

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thursday: 8am - 5pm
friday: 8am - 5pm
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