Among the mortgage products available are conventional, FHA, and VA loans. These come in various terms including 10, 15, 20, 25, and 30-year fixed mortgages. In addition to purchase loans, Blue Sky Financial also offers conventional refinance and cash-out refinance.

Customers can get pre-qualified by completing a short online form and have a loan officer contact them directly.

Customers who wish to check current rates can provide basic information such as loan amount, appraised value of the home, FICO score, zip code, property type and use to view the current mortgage rates and offers available.

After selecting a product from the list provided, customers can complete their personal information so that a loan officer can contact them to discuss available options and become pre-qualified.

If customers wish to apply for a loan, they can create an online account and start filling out the application form. Even though it requires comprehensive information it can be completed in just ten minutes or it can be saved and completed at any time. Customers are able to submit financial documents and receive mortgage disclosures all from the same platform.

One feature that Blue Sky Financial advertises is its Home Buyers Concierge Service. This free service assigns a specialist to your home buying process, making sure you’re getting the lowest rates, connecting you to professional real estate agents, and ensuring that everything about the lending process is going smoothly.

The company’s website does not provide specific requirements for borrowers. There is no minimum FICO score mentioned, though the online form has a default 720 score filled out and many lenders typically recommend a minimum score of 620.

Other factors such as debt-to-ratio and loan maximums or minimums are not detailed. It is up to the customer to discuss them with their loan officer.

As a relatively new mortgage broker, Blue Sky Financial does not have many online reviews. It does carry an A rating on the BBB though it’s not an accredited business and it currently does not have a profile on Trustpilot. At the same time, it does not have any complaints or regulatory actions with the Nationwide Multistate Licensing System (NMLS) or the Consumer Financial Protection Bureau (CFPB).