Sky Capital is a nationwide mortgage broker based in Raleigh, NC — creative lending solutions for every scenario, including those traditional banks decline.
Unlike a single bank with one product shelf, we access 100+ wholesale lenders to match you with the best program — rate, terms, and approval criteria — for your exact scenario.
Our team's background includes years working inside banks as underwriters — giving us an unmatched inside view of exactly what lenders look for and how to structure your file to win approval.
When timing is critical, we deliver. Our fastest closing was 4 business days, and our average is 18 — well under the national average of 30–45 days.
Most clients come to us after being turned down by a traditional lender. High DTI, self-employment income, complex tax returns, jumbo amounts — these are our specialty, not our obstacles.
Whatever your scenario, Sky Capital has a creative lending solution designed specifically for your situation.
Headquartered in Raleigh, NC, we work with borrowers nationwide — from the East Coast to the West Coast and everywhere in between.
| 01 | DSCR Loans | Qualify on rental income, not personal returns. Built for real estate investors nationwide. | Popular | → |
| 02 | Jumbo & Super Jumbo | High-value financing for luxury homes across the country — including $3M+ loans. | Popular | → |
| 03 | Bank Statement Loans | Qualify using 12–24 months of bank deposits instead of tax returns. No W-2s required. | Popular | → |
| 04 | Self-Employed Loans | Flexible programs for business owners with complex or non-traditional income structures. | → | |
| 05 | Physician & Professional | Specialty programs for doctors, dentists, attorneys — often no PMI required. | Specialist | → |
| 06 | Hard Money Loans | Asset-based lending for investors and time-sensitive deals. Fast approval, flexible terms. | Specialist | → |
| 07 | Bridge Loans | Buy before you sell. Short-term financing that keeps deals moving without contingencies. | → | |
| 08 | Cash-Out Refinancing | Unlock equity for renovations, debt consolidation, or new investment opportunities. | → | |
| 09 | Construction Loans | Financing for new builds and major renovations for borrowers across the country. | → | |
| 10 | Commercial Loans | Office, retail, industrial, and mixed-use financing for investors and owners nationwide. | → | |
| 11 | No-Ratio & Foreclosure Bailout | Approval based on credit and property value — ideal for high DTI or distressed situations. | Specialist | → |
A conversation about your goals, financial picture, and target property. No obligation, no pressure — just clarity on what's possible.
We gather the necessary materials and build the strongest possible file — structured for the lenders most likely to approve your scenario.
With 100+ wholesale lenders, we match your profile to the best available programs and secure your pre-approval quickly and cleanly.
We guide your file through underwriting, coordinate the appraisal, and keep you informed daily — targeting a fast, drama-free closing.
A tech executive capped at $1.5M by his bank. We structured a jumbo approval at 80% LTV through our portfolio lender network.
A restaurant owner denied by three traditional lenders. Closed using 12 months of business bank statements — no tax returns needed.
A resident physician with significant student debt qualified for a no-PMI loan, closing weeks after starting her residency at UNC Health.
A real estate investor refinancing a 6-property Triangle portfolio. Structured a DSCR portfolio loan — no personal income documentation.
Clients needed to buy before their home sold. Bridge loan closed in 9 days — enabling a clean offer with no home sale contingency.
A retired couple with non-traditional income accessing equity in their Wake Forest home. Closed using asset depletion qualifying.
Over two decades navigating the mortgage industry as both a lender and a broker. Christopher built Sky Capital on one principle: every borrower deserves a creative, honest path to financing — regardless of how complex the scenario looks on paper.
Mary keeps files moving with precision and care — coordinating between borrowers, lenders, and title companies to make sure every loan closes on time and without surprises.
Justine brings meticulous attention to detail to every file she touches — managing documentation, timelines, and lender communication so borrowers experience a smooth, stress-free process from start to finish.
"After being denied by two banks, Sky Capital found us a loan in under a week. Communicative, professional, and genuinely invested in our success."
"As a self-employed business owner, I expected the mortgage process to be brutal. Sky Capital made it shockingly smooth — and found a better rate than my bank offered."
"The physician loan program was exactly what we needed. Christopher explained everything clearly and kept us updated daily. Closed in 19 days — incredible service."
Schedule a free, no-obligation consultation. We'll assess your scenario and tell you exactly what's possible — honestly.
Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.
Contact UsWhether you're purchasing, refinancing, or just exploring options — our team is ready to help with a free, no-pressure conversation.