Helping buyers today
Chicagoland,let's buy the house.
Ryan and the team finds the loan that fits you, whether you're buying, refinancing or tapping your equity, and answers when you call.
Start your pre-approvalA few questions, no commitment
“Ryan and his team were very professional throughout the whole process and able to close in under 21 days (which was the seller's main condition). T…”
Where do you want to start?
Pick the one that fits. Every option takes about two minutes, and Ryan follows up personally.
- Get pre-approved todaySee your buying power before you fall for a house.
- Check my refinance rateFind out if a lower payment is on the table.
- How much cash can I get?Tap your equity and keep your first-mortgage rate.
- What's my home worth?An estimate from real property data.
- Run the numbers7 calculators for payments, affordability and more.
5.0 stars from 45 reviews
Buy a home
Refinance
Home equity
VA and FHA
Self-employed options
NMLS #425763
Every path home runs through Ryan.
Tell us where you're starting from. We'll show you the loan that was built for it.
Where you are
FHA + down payment helpLow down payment options
Buying your first home? FHA loans and down payment assistance programs are built for exactly this.
Plan My First HomeBank statement loanQualify on deposits
Self-employed? A bank statement loan can qualify you on your deposits instead of your tax returns.
Check My EligibilityVA loanBuilt for those who served
Thank you for serving. VA loans were created for veterans and service members, with benefits other loans do not have.
See my VA optionsFresh-start programsOptions beyond a perfect score
Credit took a hit? There are programs for borrowers after bankruptcy, with thin credit, or with an ITIN.
Do I Qualify?DSCR loanQualify on the rent
Buying a rental? A DSCR loan can qualify on the property's rent rather than your personal income.
See my investor optionsHELOCTap equity, keep your rate
Need cash? A HELOC taps your equity and leaves your first mortgage and its rate alone.
See how much cash I can getRyan Skaggs
NMLS #425763 · New American Funding
Tap your situation to see the loan built for it.
See what I qualify forThe loan built for it
FHA + down payment helpLow down payment options
Bank statement loanQualify on deposits
VA loanBuilt for those who served
Fresh-start programsOptions beyond a perfect score
DSCR loanQualify on the rent
HELOCTap equity, keep your rate
Know your numbers
before you call anyone.
Free calculators, with no sign-up to look.
The timeline
Three steps, one real person.
A short process with Ryan answering at every step.
115 minutes
Apply and sign online
Log in to the secure portal and e-sign your application in minutes.
21 day
Get fully approved
Income, assets and credit verified, so your offer carries a same-day approval.
310 days
Close on your home
Everything is already approved, so this step is just paperwork and keys.
5.0
45 reviews on Google
Real families,
in their own words.
“Ryan and his team were very professional throughout the whole process and able to close in under 21 days (which was the seller's main condition).”
Natasha V
“Ryan and his team are simply the best. They made the entire loan process very clear and simple. This team is extremely attentive and helpful. Highly recommend!”
Eric Matejcak
“Ryan & his entire team are the ones you need for the biggest purchase you’ll ever make in a home. Their dedication & disciplined is what allowed me to have an efficient closing. Thank you all again! Highly recommend 💯”
Steph B
“Neighborhood Loans and specifically Ryan Skaggs has been with me on my home buying journey since the beginning. Recommended by my amazing Realtor, I met Ryan in 2021.”
Bemnet Yigzaw
“Ryan was great, communicated extremely well and thoroughly. He made the entire process fairly simple. Would recommend him for sure.”
Scott Walters
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages.”
Jonathan Peig
“Ryan from the neighborhood loans team is the kind person you want in your corner when buying a home. From pre-approval to close, he was responsive, consultative, and patient.”
Andrew Harris
“Ryan is wonderful to work with and makes the mortgage process as easy as can be. Highly recommended!”
Michael Leifman
“Thank you to Ryan and his team. Our realtor recommended them. We are very happy we decided to work with them. They kept in touch after we decided it wasn't the right time to buy. One year later, we are in our new home.”
Amanda Atkinson
“Ryan did an amazing job getting my buyers closed on a multi unit investment in Chicago. He was profession and concise, updating everyone weekly on the process and keeping things on track. We closed three weeks early, largely for to his efforts.”
Paul Barker

Meet the Mortgage Professor...
Ryan Skaggs is a nationally recognized mortgage lender known for his expertise in residential financing. Based on the North Shore of Chicago, he primarily serves clients across Chicagoland and can assist clients all across the United States.
His approach is grounded in patience, clear communication, and a deep belief that informed clients make better financial decisions. That philosophy was shaped by his mother, who dedicated nearly 40 years to special education — teaching him that the best help you can give someone is the knowledge to help themselves.
Ryan structures every loan with long-term strategy in mind, not just the transaction in front of him. He is the Producing Branch Manager at New American Funding.
Call or text
Office
400 Skokie Blvd #100, Ste 100
Northbrook, IL 60062
Licensing
NMLS #425763
Your move,
Chicagoland.
About two minutes to see what you qualify for, with no obligation.
(773) 569-8692