There's quite a lot to do when you get a mortgage. You wouldn't be visiting our website if it were possible to complete a simple loan app and get a great loan check cut in one day. But Kota Realty & Mortgage Services, Inc does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a loan involves four major steps.

Step one: Decide how much you can afford

A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? You can get a good idea of your preferred payment amount using the calculators on our website. And we can guide you to the right loan amount and best program for you when you answer a few questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step four: your loan is funded

Your REALTOR® and the seller's will coordinate to designate an escrow/title company to handle the funding of your loan once it's approved. We'll work with this company to ensure the papers your lender will require are available, and you will probably}likely sign all these papers at their officeWe work with with this company to set your date to close. Since you will not have to coordinate this process, you can concentrate on the move, if you're going to repaint, new carpet, and the details involved in moving into your new house.

You've answered some few questions, provided lots of information, applied online, and before you know it, you are deciding when to move in! Kota Realty & Mortgage Services, Inc is in the business of mortgage loans; you're not — so take care of the details. Makes sense, doesn't it??