Home Loan Options

Find Your Cloud 9 with a Skyla Home Loan

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Dream Ahead

start your home buying journey…

Homeownership – that’s the dream! At Skyla, we’re dedicated to helping you achieve it. How can we help jumpstart your journey?

home purchase

Take the leap into homeownership! Open the door to your possible with the right mortgage solution for the biggest investment you’ll ever make.

Mortgage Options

mortgage refinance

Your mortgage shouldn’t own you. Refinance to lower your monthly mortgage payment, lower your mortgage rate, or change your term.

Refinance Options

home equity

You’ve built the equity in your home – now it’s time to use it! Explore the home equity solutions that fit your plans.

Home Equity Options

buy now. refi later.

the right home shouldn’t have to wait

At Skyla, we believe you shouldn’t have to choose between timing the market and moving forward with your life.

With our Buy Now, Refinance Later mortgage option, you can purchase your home today — and when rates come down, refinance later with eligible fees waived.¹ It’s flexibility built into your financing with a team that’s here long after closing day.

how it works:

1. Buy now with confidence
2. Keep an eye on Skyla's rates
3. Refinance when the time is right for you

Apply Now Talk to the Mortgage Team

home & property insurance

protection that feels like home

Your home is unique – and your insurance coverage should be, too. Skyla’s home and property insurance programs are designed to cover a wide range of living situations, including:

Primary residences, for homes & condos
Renters & tenant-occupied properties
Vacation homes & second residences
Rental & investment properties
Mobile homes and coastal properties
Flood insurance & additional specialized coverage options

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skyla's mortgage rates

The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x3087. Our team will be happy to assist you with customized rates tailored to your specific location and requirements!

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30-year fixed rate mortgage

5.85%

5.942%

15-year fixed rate mortgage

5.15%

5.302%

7/1 adjustable rate mortgage (arm)

5.35%

5.439%

welcome home loan

6.50%

6.596%

land loan

9.50%

9.673%

Home Loan rates as of 01/07/26. The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.

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Ask Mortgage

your mortgage questions… answered

If you have a specific mortgage question or are simply looking for advice on where to start in the homebuying process – our team of mortgage specialists is here to help! We’ll respond to your message on or before the next business day.

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