Welcome to Sky Financial Services

Thank you for visiting our site! Whether you are a first-time home buyer, refinancing your primary residence, second home, or investment property, we take great pride in the many custom loan options we have available to meet your individual needs. Our staff will dedicate the necessary time to explain your options and guide you through the process in order to close your loan in a timely manner.

Our mission at Sky Financial is to align your personal needs with a loan solution. We recognize that each loan is unique to the individual and we will work until we find the loan that is right for you.

Sky Financial specializes in both new purchases and refinancing. We are experts in Conventional, FHA, VA and USDA programs. We are licensed by the Department of Banking and Securities. Tim VandeBunte is President and founder of Sky Financial Services Inc., which is located in the Lehigh Valley area. Sky Financial Services, established in 2008, is the Lehigh Valley's premier residential mortgage broker.

Current Market Conditions

2022 is off to a rough start with regards to rising interest rates.  The U.S. Federal Reserve is trying to cool off inflation and rising home prices.  Right now the market is very favorable for property owners. Interest rates are still close to an all-time low which means that you could purchase a new home and pay a very low interest rate on the mortgage. It still might be a great idea to do a cash out refinance if you need some extra cash to pay off debt, or maybe you need $ for a down payment on a second home or investment property.

Historically, interest rates have been as high as almost 18%. Right now they are so far away from that number, it is unbelievable. These rates are still close to the lowest rates ever in history.
If you think you may qualify for a lower interest rate on a refinance or you are considering purchasing a new home, contact us and we will help you decide if it is a feasible option. Our employees are here to help guide you to make the right decision.

Sky Financial Services Inc., will not make any mortgage loan commitments or fund any mortgage loans and all loans are arranged with third-party providers. Sky Financial Services, Inc., is licensed by the N.J. and P.A. Department of Banking and Insurance.