Business Details
Your Trusted Mortgage Partner in Woodland Park
At Skyridge Lending, we prioritize staying informed about evolving loan products and market rates to serve our clients effectively. Our dedicated product specialists and underwriters analyze daily market trends to customize mortgage solutions tailored to individual financial needs. By maintaining open communication with realtors and builders, we ensure a seamless loan process. Our team is committed to providing personalized guidance, empowering clients to make informed mortgage decisions while fostering a positive experience throughout their homeownership journey. 
Services
VA Loans
Commercial Loans
Reverse Mortgages
FHA Loans
USDA Loans
Conventional Loans
Construction Loans
Cash-Out Refinance
Streamline Refinance
DSCR Loans
Highlights and features
- We offer customized mortgage solutions based on your unique financial situation.
- Our team includes NMLS-certified loan officers with specialized expertise.
- We provide access to a wide range of loan products, including niche options like Section 184 Native American loans.
- Our streamlined process achieves average 15-day closings for standard products.
- We support clients with credit challenges through tailored programs like our Credit Builders initiative.
What people say
Cares about what works for you
Tireless efforts and positive attitude
Empathetic and helpful team
Available outside business hours
Guided through every step
Services
VA Loans
VA loans provide mortgage options for veterans with benefits like 100% financing and reduced fees. Our NMLS-certified officers guide veterans through eligibility requirements and streamline processes, ensuring access to favorable terms while maintaining compliance with VA guidelines.
Commercial Loans
We offer commercial lending solutions for properties including multi-family units, retail spaces, and mixed-use buildings. Our DSCR loans enable investors to qualify using projected rental income, with availability across all 50 states and flexible structuring options.
Reverse Mortgages
Reverse mortgages allow homeowners aged 62+ to convert equity into funds without monthly payments. We explain HECM program requirements, including property tax and insurance obligations, while ensuring compliance with HUD regulations and client suitability assessments.
Cash-Out Refinance
Cash-out refinancing replaces existing mortgages with new loans exceeding current balances, providing access to home equity. We analyze break-even points and long-term savings potential to determine if this option aligns with clients' financial objectives.
FHA Loans
FHA loans require as little as 3.5% down with flexible credit requirements. Our team explains mortgage insurance premiums, eligibility criteria, and underwriting processes to help borrowers achieve affordable homeownership opportunities.
People
James D Laing II
CEO / Loan Officer
James brings extensive leadership experience to Skyridge Lending, overseeing operations while maintaining direct client engagement as a licensed loan officer.
Jarrod Newcom
Chief Operating Officer / Loan Officer
Jarrod combines operational oversight with hands-on client service, focusing on personalized mortgage solutions and process optimization.
Steve Ginnett
Loan Officer
Steve specializes in guiding first-time homebuyers through mortgage processes with patience and comprehensive support.
Alan Farrell
Loan Officer
Alan provides expert mortgage counseling, leveraging his NMLS-certified expertise to address diverse client financial situations.
Jen Limpert
Loan Officer
Jen combines technical mortgage knowledge with client-focused communication to deliver tailored financing solutions.
Questions
What mortgage loan types do you offer?
We offer VA, FHA, USDA, conventional, reverse, commercial, construction, and specialty loans like Section 184 for Native Americans.
How can I get pre-approved for a mortgage?
Contact us directly to start the pre-approval process, which involves income verification, asset documentation, and credit assessment.
Do you offer refinancing options?
Yes, we provide cash-out refinance, streamline refinance, and other refinancing solutions to meet various financial goals.
What documentation is required for a mortgage application?
Required documents include tax returns, bank statements, proof of income, property details, and identification materials.
How long does the mortgage process take?
Standard product closings average 15 days, while complex loans may require additional time for underwriting and verification.
Do you support first-time homebuyers?
Yes, we offer specialized programs and guidance to help first-time buyers navigate financing options and down payment requirements.
