Helping buyers today
Chicagoland,let's buy the house.let's cut your rate.let's get the keys.
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
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages. When we were shoppin…”
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.
See my first-home optionsBank statement loanQualify on deposits
Self-employed? A bank statement loan can qualify you on your deposits instead of your tax returns.
See my self-employed optionsVA 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.
See my fresh-start optionsDSCR 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.
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages. When we were shopping around, we always felt like we were constantly being pushed into boxes or swayed into lending options that just didn't fit us. Meeting Ryan was a total breath of fresh air. From our very first conversation, he didn't treat us like just another file—he took the time to actually listen and understand exactly where we were at in our lives. Because of his incredible knowledge, he helped us get the exact mortgage we needed for our dream home. He educated us, answered every single silly question we had, and turned our anxiety into pure excitement. Ryan is truly incredible at what he does.”
Jonathan Peig2 months ago
“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. They made the loan process a stress free experience. They put in the time and effort to make sure their clients are able to make informed decisions. I definitely recommend them for your financing needs!”
Amanda Atkinsona year ago
“We were caught in a situation where we needed to close rather quickly and Ryan and his team at Neighborhood Loans really came through. Ryan had great ideas regarding the financing options available. The communication process was markedly better than any of our previous dealings with lenders. The entire team was fabulous to work with-they showed great patience dealing with form submissions, etc. as we are not the most tech savvy couple. Bottom line-one of the finest customer service experiences ever for Lisa and I. We would heartily recommend Ryan and his team to anyone looking for mortgage assistance. Five Stars!”
Lisa J. Rastello3 years ago
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages. When we were shopping around, we always felt like we were constantly being pushed into boxes or swayed into lending options that just didn't fit us. Meeting Ryan was a total breath of fresh air. From our very first conversation, he didn't treat us like just another file—he took the time to actually listen and understand exactly where we were at in our lives. Because of his incredible knowledge, he helped us get the exact mortgage we needed for our dream home. He educated us, answered every single silly question we had, and turned our anxiety into pure excitement. Ryan is truly incredible at what he does.”
Jonathan Peig2 months ago
“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. They made the loan process a stress free experience. They put in the time and effort to make sure their clients are able to make informed decisions. I definitely recommend them for your financing needs!”
Amanda Atkinsona year ago
“We were caught in a situation where we needed to close rather quickly and Ryan and his team at Neighborhood Loans really came through. Ryan had great ideas regarding the financing options available. The communication process was markedly better than any of our previous dealings with lenders. The entire team was fabulous to work with-they showed great patience dealing with form submissions, etc. as we are not the most tech savvy couple. Bottom line-one of the finest customer service experiences ever for Lisa and I. We would heartily recommend Ryan and his team to anyone looking for mortgage assistance. Five Stars!”
Lisa J. Rastello3 years ago
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages. When we were shopping around, we always felt like we were constantly being pushed into boxes or swayed into lending options that just didn't fit us. Meeting Ryan was a total breath of fresh air. From our very first conversation, he didn't treat us like just another file—he took the time to actually listen and understand exactly where we were at in our lives. Because of his incredible knowledge, he helped us get the exact mortgage we needed for our dream home. He educated us, answered every single silly question we had, and turned our anxiety into pure excitement. Ryan is truly incredible at what he does.”
Jonathan Peig2 months ago
“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. They made the loan process a stress free experience. They put in the time and effort to make sure their clients are able to make informed decisions. I definitely recommend them for your financing needs!”
Amanda Atkinsona year ago
“We were caught in a situation where we needed to close rather quickly and Ryan and his team at Neighborhood Loans really came through. Ryan had great ideas regarding the financing options available. The communication process was markedly better than any of our previous dealings with lenders. The entire team was fabulous to work with-they showed great patience dealing with form submissions, etc. as we are not the most tech savvy couple. Bottom line-one of the finest customer service experiences ever for Lisa and I. We would heartily recommend Ryan and his team to anyone looking for mortgage assistance. Five Stars!”
Lisa J. Rastello3 years ago
“We are so incredibly grateful we found Ryan! My wife and I were pretty overwhelmed when we first started looking at mortgages. When we were shopping around, we always felt like we were constantly being pushed into boxes or swayed into lending options that just didn't fit us. Meeting Ryan was a total breath of fresh air. From our very first conversation, he didn't treat us like just another file—he took the time to actually listen and understand exactly where we were at in our lives. Because of his incredible knowledge, he helped us get the exact mortgage we needed for our dream home. He educated us, answered every single silly question we had, and turned our anxiety into pure excitement. Ryan is truly incredible at what he does.”
Jonathan Peig2 months ago
“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. They made the loan process a stress free experience. They put in the time and effort to make sure their clients are able to make informed decisions. I definitely recommend them for your financing needs!”
Amanda Atkinsona year ago
“We were caught in a situation where we needed to close rather quickly and Ryan and his team at Neighborhood Loans really came through. Ryan had great ideas regarding the financing options available. The communication process was markedly better than any of our previous dealings with lenders. The entire team was fabulous to work with-they showed great patience dealing with form submissions, etc. as we are not the most tech savvy couple. Bottom line-one of the finest customer service experiences ever for Lisa and I. We would heartily recommend Ryan and his team to anyone looking for mortgage assistance. Five Stars!”
Lisa J. Rastello3 years ago
“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. We felt complete transparency and support from the entire Neighborhood Loans team at every step of our journey. I could not recommend them enough!”
Andrew Harrisa year ago
“Ryan is a class act! I can’t speak highly enough of him and his team. He was so helpful, knowledgeable, responsive, and always so incredibly friendly. I appreciated all of the 1x1 help Ryan and his team extended to me. Ryan was always available, day and night, weekdays and weekends, to help answer any questions I had. He and his team really go the extra mile to show that your business matters to them. They work hard to get you the best rate and help put together options that work for you. Ryan and his team made the home-buying process an enjoyable one and I’m so grateful I was able to work with him. I will continue to recommend Ryan to my family and friends!”
Rebecca3 years ago
“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. We felt complete transparency and support from the entire Neighborhood Loans team at every step of our journey. I could not recommend them enough!”
Andrew Harrisa year ago
“Ryan is a class act! I can’t speak highly enough of him and his team. He was so helpful, knowledgeable, responsive, and always so incredibly friendly. I appreciated all of the 1x1 help Ryan and his team extended to me. Ryan was always available, day and night, weekdays and weekends, to help answer any questions I had. He and his team really go the extra mile to show that your business matters to them. They work hard to get you the best rate and help put together options that work for you. Ryan and his team made the home-buying process an enjoyable one and I’m so grateful I was able to work with him. I will continue to recommend Ryan to my family and friends!”
Rebecca3 years ago
“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. We felt complete transparency and support from the entire Neighborhood Loans team at every step of our journey. I could not recommend them enough!”
Andrew Harrisa year ago
“Ryan is a class act! I can’t speak highly enough of him and his team. He was so helpful, knowledgeable, responsive, and always so incredibly friendly. I appreciated all of the 1x1 help Ryan and his team extended to me. Ryan was always available, day and night, weekdays and weekends, to help answer any questions I had. He and his team really go the extra mile to show that your business matters to them. They work hard to get you the best rate and help put together options that work for you. Ryan and his team made the home-buying process an enjoyable one and I’m so grateful I was able to work with him. I will continue to recommend Ryan to my family and friends!”
Rebecca3 years ago
“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. We felt complete transparency and support from the entire Neighborhood Loans team at every step of our journey. I could not recommend them enough!”
Andrew Harrisa year ago
“Ryan is a class act! I can’t speak highly enough of him and his team. He was so helpful, knowledgeable, responsive, and always so incredibly friendly. I appreciated all of the 1x1 help Ryan and his team extended to me. Ryan was always available, day and night, weekdays and weekends, to help answer any questions I had. He and his team really go the extra mile to show that your business matters to them. They work hard to get you the best rate and help put together options that work for you. Ryan and his team made the home-buying process an enjoyable one and I’m so grateful I was able to work with him. I will continue to recommend Ryan to my family and friends!”
Rebecca3 years ago

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