Residential lending
Mortgages designed for documented decisions
Whether you are buying a primary home, financing a second residence, or restructuring an existing lien, Sky publishes the checkpoints you need: appraisal timelines, tolerance categories on the Loan Estimate, and how jumbo or private-bank documentation differs from agency conforming files.
Two primary journeys
Purchase and refinance share underwriting DNA but diverge on disclosures, title work, and cash-to-close mechanics. Select the path that matches your situation—each hub page lists documentation themes and typical cadence.
Jumbo & private-bank programs
Higher balances often require expanded reserve analysis, multiple entity returns, or global income documentation. Sky coordinates with your treasury and tax advisors so schedules and K-1 packets arrive synchronized with underwriting requests.
What underwriters emphasize
- Liquidity after close—months of housing expense in documented assets.
- Consistency across tax years when bonus or carried interest drives repayment capacity.
- Appraisal quality for unique properties; desktop or hybrid reviews when eligible.
Mortgage questions clients ask first
When is my rate truly locked?
Locks attach to a property address and expiration date. Float-down options, if offered, are documented in your lock confirmation—not assumed.
How do tolerances work on the Closing Disclosure?
Certain fees cannot increase; others have aggregate caps. Sky explains variances before you sign so cash to close matches expectations.
Can I reuse an appraisal?
Agency and investor rules govern age and transfer of appraisals. Your banker confirms when a new report or inspection is mandatory.