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We understand that navigating the mortgage process can feel overwhelming. If it were as easy as a one-step application, you might not be here on our site. At Sakata Mortgage, we're here to take care of the hard work, giving you the space to enjoy life without worrying about the details of your mortgage.

Why Choose us

We're a close-knit mortgage lender with well-established connections.

Getting a home loan with Sakata Mortgage is a simple four-step process:

  1. Prepare your finances and explore loan options.
  2. Submit your application with your financial and property details.
  3. Sakata Mortgage will carefully verify information, including property assessments.
  4. Once approved, you’ll receive clear loan terms.
Step One: Choose Your Highest Loan Limit

Two key factors influence this amount: your affordable monthly payment and the maximum you qualify for based on income and credit. Use our website calculators for an estimate. After a brief discussion, we can provide a clear idea of your borrowing capacity, as lender guidelines are typically consistent.

Step Two: Get Loan Pre-Approval

At this stage, Sakata Mortgage will begin to save you money. You'll provide details about your current job, assets, and residence history. We'll also check your credit score and report. After reviewing this, we'll issue a pre-qualification letter. Treat it with care, as it's a powerful tool for making an offer. Your REALTOR® will likely use it to secure the best deal on your chosen home. This letter gives you buying strength. As you decide on the right home, we'll find the loan that suits your needs best.

Step Three: Loan Application

After you've made an offer and the sellers have accepted, it's time to apply for the loan. It's very easy, and you can apply online, right here on our website. At the end of this step, we will order the appraisal of your new home.

Step Four: Your Loan is Funded

The real estate agents will connect you with an escrow/title company to manage the loan funding and sale closure. We'll ensure all necessary documents for your lender are prepared, and you'll likely sign them at their office. We handle all the coordination with this company for your closing date. With this taken care of, you can focus on planning your move, decorating, and enjoying the exciting aspects of your new home.


Client Feedback

You’ve answered some few questions, provided detailed information, applied online, and the next thing you know, you’re moving in! We take care of all the loan details so you can focus on finding your new home.

Have questions about the loan process? Call Sakata Mortgage at 832-407-2668. 

It’s our job to answer lending questions, so we’re happy to help!

Guiding You Every Step

At Sakata Mortgage, we're not just lenders – we're your dedicated partners in achieving your dream of homeownership. From our first conversation to the final signatures, our experienced team is here for you, providing expert guidance at every important stage. Whether it's finding the perfect loan, handling paperwork, or securing the best terms, we ensure a seamless experience from beginning to end. Trust Sakata Mortgage to stand by you at every step of your mortgage journey.

Your Personal Mortgage Guide

At Sakata Mortgage, we're committed to exceeding your expectations with exceptional service. Our Dedicated Loan Concierge serves as your personal expert in the world of mortgages. From answering questions to assisting with paperwork, their expertise ensures a smooth and well-informed journey. Rely on our Loan Concierge to give you the support you need, making your mortgage experience efficient and stress-free.

Customized Rate Solutions

At Sakata Mortgage, we recognize that every homeowner's financial path is distinct. That's why we offer adaptable rates that cater to your evolving needs. Whether you seek stability or want to leverage market trends, our selection of customizable mortgage rates gives you the freedom to choose what suits you best. Your dream home, your terms – experience the flexibility of options with Sakata Mortgage.

Speak to a Lending Specialist.

Have a question? Fill out the form below, and we’ll provide you with an answer. Your privacy is guaranteed, and there’s no obligation on your part.