Buying a home

Purchase financing with a disciplined timeline

From pre-qualification through funding, Sky maps each milestone to underwriting conditions so you can coordinate movers, rate locks, and seller credits without guesswork. First-time buyers receive a simplified checklist; complex earners get a tailored document list.

Home loan application process overview — Knowing what happens after you apply reduces anxiety during underwriting and appraisal.

Programs for first-time and move-up buyers

Down payment assistance, affordable second lien structures, and grant overlays vary by state and investor. Your Sky banker publishes what is available in your footprint before you pay for an application fee.

Down payment myths vs. real minimums and PMI tradeoffs.

Budgeting for PITI plus maintenance reserves.

Debt-to-income guardrails and compensating factors.

Jumbo & private-bank purchase files

Large loans may require two years of business returns, CPA letters for pass-through income, and documented vesting of restricted stock. Sky sequences third-party reports so appraisals are not stale when you lock, and coordinates with title for trusts or LLC vesting.

Contingency planning

If appraisal comes in below contract price, your banker models seller credits, price adjustments, or additional down payment within hours—not days.

Factors affecting mortgage approval — Credit, capacity, collateral, and capital—the four Cs—drive every decision.