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To begin the process, you'll need to gather a few things so we can help you apply for the loan that's right for you. Print one of our What You Need to Apply Checklists - Purchasing, Refinancing, or Refinance with Cash Out. Whether you've just begun looking for a house, or you've already found the perfect one, contact us and we can provide guidance, reduce the amount of stress you may feel about the process, and get you into your new home faster! Save time and shop with confidence by obtaining a pre-qualification - which is a conditional estimate of your maximum loan amount.

 

Familiarize yourself with these loan concepts and terms:

 

Appraisal:  determines the value of your home
Credit:  obtain your credit report and credit score to determine your loan eligibility - lenders use your FICO credit score to determine your ability to repay your loan
Down Payment:  find out how much down payment will be required
Escrow Account:  money set aside to pay property taxes and homeowner's insurance
Insurance:  types of insurance needed, such as a homeowner's insurance policy

 


 

Questions or problems regarding this web site should be directed to [jdoughty@skybluelending.com].
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Last modified: 07/21/06.