Own It – Make that Mortgage Yours!

Apply Now Mortgage Basics

the perfect home shouldn't have to wait

buy now. refi later.

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.* 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

Mortgage Options Apply Now

Mortgage Options

stop dreaming. start owning.

At Skyla, we’re dedicated to helping you achieve your homeownership dream. With step-by-step guidance and expert support, you’ll feel confident when choosing your mortgage solution for the biggest investment you’ll ever make.

15- & 30-year fixed-rate mortgages

Make the most of your home investment. Our 15-Year Mortgages will help you own your home sooner and build equity fast. Both 15- and 30-Year Mortgages offer reduced fees and closing costs with as little as 5% down and no Private Mortgage Insurance (PMI) is required!

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welcome home loan

Open the door to your future. Become a homeowner with as little as $2,000 for loans up to $832,750 with no PMI required. Chat with our Mortgage Specialists or find payment examples and comparisons between a Welcome Home Loan. FHA loan, and conventional loan.

Get the Details

adjustable-rate mortgage (arm)

Need more mortgage flexibility? Consider a 7-year ARM. These plans start you out with a lower initial interest rate than a fixed-rate mortgage, a 5% minimum down payment, and no Private Mortgage Insurance (PMI). All ARMS are subject to upward adjustment restrictions or “caps.”

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land loans

Ever considered building your perfect home? Or found the ideal spot for your future retirement? At Skyla, we’ll help you purchase or refinance vacant land at competitive rates and with minimal cost.

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ok, so here’s the fine print:

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

Get a Quote

The Process

how to apply for your mortgage

take your pick

Apply online for your chosen mortgage solution.

close your loan

With expert guidance throughout the entire mortgage process.

welcome home

Easily manage your new home loan through Skyla's Digital Banking!

Just starting your house hunt?

contact our mortgage team today!

Take charge of your home buying journey with a pre-approval!

If you're inquiring about purchasing or just want to know a litle more about the process on how to get pre-approved, our team of mortgage specialists is here to help. Simply submit this form and we’ll be in touch on or before the next business day.

Learning & Guidance

Own It – Make that Mortgage Yours!

buy now. refi later.

how it works: