YOUR MORTGAGE is a click away
our core values
Above and Beyond
Ryan Skaggs, the Senior Vice President of Mortgage Lending for Neighborhood Loans in the North Shore area, has extensive knowledge and expertise in jumbo financing. He primarily serves clients in the greater Chicagoland area, but welcomes clients from across the state and Indiana where he grew up as well as Wisconsin, Michigan, and Florida. Skaggs attributes his success to the values he learned from his mother, a special education teacher, which include patience, compassion, and understanding. His team, key operations partners, and other originators are housed in his North Shore office at 101 Green Bay in Wilmette, IL, where they offer in-house jumbo underwriting and processing services. Skaggs is committed to his three core values of going above and beyond to exceed expectations, keeping the client at the center of the process, and ensuring a streamlined transaction. He takes a holistic approach to help clients understand the mortgage process, get out of debt, and achieve their financial goals. Skaggs conducts a full mortgage analysis for each client, providing comparisons of multiple products and down payment/structure options to help them choose the best option for their family's needs. His dedication has been recognized by receiving the North Shore Choice Best Lender Award for two consecutive years and being nominated for a Best in Business award by the Illinois Mortgage Bankers Association.
Here's how we do thingsApply Online
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
I have worked with Ryan on a couple refis and more recently, a mortgage for a new single family home. Mr. Skaggs and his team are very helpful and are always quick to answer any questions I have. They are very professional, knowledgeable and will guide you smoothly though the process. After a working with Ryan for over a decade, I can strongly recommend his services.
I was extremely impressed with Ryan and his team throughout the entire process, from pre-approval thru closing. He was extremely responsive whenever we had questions and coordinated flawlessly across multiple parties (lawyers, real estate agents, etc.). I would highly recommend Ryan and his team to anyone for future lending needs!
We can't thank Ryan and his team enough for making the home buying process so easy for us as first time buyers! He thoroughly explained everything to us each step of the way in ways we understood. He/his team checked in every Friday to make sure we had updated pre approval letters for a weekend of house hunting and he made regular phone calls once an offer was accepted until closing as we proceeded through each step. Ryan even answered last minute texts on a holiday weekend when we had questions prior to closing. I couldn't recommend a better person to trust as your lender. Ryan truly is fantastic!!