Business Details
Your Trusted Mortgage Broker in Woodland Park, CO
At Skyridge Lending, we prioritize staying informed about the latest loan products and market trends to provide tailored mortgage solutions. Our team of product specialists and underwriters continuously analyzes the market to offer customized loan options that align with your financial needs. We emphasize transparent communication throughout the mortgage process, ensuring all partiesincluding realtors and buildersare kept informed to facilitate a seamless experience.With a commitment to personalized service and a focus on simplifying the mortgage process, we empower clients to make informed decisions while maintaining open lines of communication. Our dedication to integrity, combined with a streamlined approach, ensures a positive and efficient journey toward homeownership.
Services
VA Loans
Commercial Loans
Reverse Mortgages
Construction Loans
FHA Loans
Cash-Out Refinance
Debt Consolidation Loans
USDA Loans
Section 184 Loans
DSCR Loans
Highlights and features
- We offer over 30 years of combined experience in mortgage lending.
- Our team provides personalized loan options tailored to your financial situation.
- We streamline the mortgage process with an average 15-day close for standard products.
- We maintain transparent communication with all parties involved in the transaction.
- Our specialists stay updated on market trends to secure competitive rates.
What people say
Personalized options
Knowledgeable team
Efficient process
Positive experience
Guided through every step
Services
VA Loans
VA loans are mortgage options designed for veterans, active-duty service members, and eligible spouses. These loans offer competitive interest rates, no down payment requirements, and reduced closing costs. At Skyridge Lending, we specialize in VA purchase and refinance loans, including IRRRLs, to help veterans achieve homeownership with minimal financial barriers.
Commercial Loans
Our commercial loan services cater to investors and businesses seeking financing for properties like multi-family units, retail spaces, and industrial buildings. We offer DSCR loans that qualify borrowers based on property income, allowing flexibility for seasoned and new investors. These loans are available nationwide with terms tailored to investment goals.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert equity into cash without monthly mortgage payments. We provide FHA HECM loans for purchases or refinancing, ensuring clients retain home ownership while accessing funds. This service is ideal for retirees seeking financial flexibility while maintaining property ownership.
Construction Loans
Our construction loans support residential and commercial projects with one-close or two-close options. These loans cover new builds, renovations, and speculative construction for owner-occupants or investors. Skyridge Lending simplifies the process with dedicated underwriting and streamlined approvals for custom homebuilders and developers.
Cash-Out Refinance
Cash-out refinance allows homeowners to replace their existing mortgage with a larger loan, accessing equity for debt consolidation, home improvements, or other needs. We offer competitive rates and flexible terms, ensuring clients maximize savings while leveraging their home's value for financial goals.
People
James D Laing II
CEO / Loan Officer
James brings decades of mortgage industry expertise to Skyridge Lending, focusing on client-centric solutions and strategic leadership. His commitment to transparency and customer satisfaction drives the company's mission to simplify mortgage lending.
Jarrod Newcom
Chief Operating Officer / Loan Officer
Jarrod oversees daily operations while assisting clients with mortgage needs. His dedication to personalized service and deep understanding of loan products ensure clients receive tailored solutions aligned with their financial goals.
Steve Ginnett
Loan Officer
Steve specializes in guiding first-time homebuyers through the mortgage process. His patient approach and attention to detail have earned him recognition for exceptional client support and successful loan closings.
Alan Farrell
Loan Officer
Alan provides expert mortgage advice, focusing on VA and FHA loans. His experience in navigating complex loan programs ensures clients secure financing that meets their unique circumstances and homeownership aspirations.
Nancy Barlow
Loan Officer
Nancy assists clients with purchase and refinance transactions, emphasizing clear communication and timely execution. Her client-first approach ensures a stress-free mortgage experience tailored to individual needs.
Questions
What types of mortgage loans does Skyridge Lending offer?
We offer VA, FHA, conventional, USDA, reverse, construction, commercial, and specialty loans like DSCR and cash-out refinances for diverse client needs.
How can I qualify for a mortgage with bad credit?
Skyridge Lending follows federal guidelines for minimum credit scores and offers programs with flexible requirements, including VA loans starting at 560 credit scores.
What documents are needed for mortgage pre-approval?
Pre-approval requires income verification, asset statements, tax returns, and identification. Our team guides clients through the documentation process to expedite approval.
How long does the mortgage process take?
Standard loans close in 15 days on average, while complex transactions may take longer. Streamline refinances often close within 10 days due to simplified requirements.
Do you offer mortgage insurance options?
Yes, we provide mortgage insurance for FHA and conventional loans, with details on upfront and monthly premiums included in your loan estimate.
Can I refinance my existing mortgage?
Yes, we offer cash-out refinances, streamline options for VA/FHA loans, and rate/term adjustments to help clients lower payments or access equity.
