Before you can be approved for the loan, Blue Sky needs to check your credit report. However, they won’t check it without obtaining your explicit approval first. If you have already frozen your credit bureaus, remember to contact them and unfreeze them to continue with the application process.

Blue Sky mortgage is a well-established and trusted online mortgage company that offers services to customers in eight states: California, Colorado, Florida, Idaho, Illinois, New Jersey, Ohio, and Washington. Therefore, if you live in one of these states, you can enjoy the straightforward process provided for this mortgage marketplace.

Yes, Blue Sky Bank Mortgage offers FHA and VA loans. They do not, however, offer USDA loans at this time. These types of mortgages usually come with less strict credit standards and lower down payment requirements than conventional mortgages. So remember to check all conditions before applying.