Richard Skubal, Loan Officer Mortgage Loans Illinois - Chicago - Lake Villa NMLS #266248
Rich grew up in Madison, WI where he obtained his degree in Accounting. After graduating, Rich began his career in the financial field with a community bank in Madison in 1988. Thereafter, Rich worked for Ford Credit Division for close to 10 years.
His experience ranges from working as Regional Training Director to being an Operations Director. Rich also owned his own mortgage bank for approximately 15 years. He believes working as a Senior Loan Officer is his most rewarding position. When he is not busy tending to the needs of his clients, Rich enjoys spending time with his family, golfing and swimming. Rich has been married to his lovely wife Sue for over 27 years. They have two daughters ages 25 and 22.
Our cost of living indices are based on a US average of 100. An amount below 100 means Lake Villa is cheaper than the US average. A cost of living index above 100 means Lake Villa, Illinois is more expensive.
Housing is the biggest factor in the cost of living difference.
Make your DREAM home YOUR home! And let us help!
At Thompson Kane, we want you to understand the very important steps toward home ownership and have prepared a step-by-step guide. This guide does not replace our one-on-one customer service that we take great pride in, but it will give you an idea of how we navigate from day one to closing day.
Getting Pre-Approved is a must. Your Loan Officer will gather some basic information to determine how much you can borrow, program options such as Fixed Rate, Adjustable, VA, USDA or FHA and an estimate of your monthly payment.
Once the Loan Officer determines you are eligible, they will issue a Pre-Approval Letter.
This letter gives you negotiating power which is very important is this very fast moving real estate market.
It proves to the seller that you are a serious, qualified buyer who can act fast. Learn more by visiting the links below.
Using the services of a Lake Villa IL Real Estate Agent will be one of your best resources as you search for a home. They are knowledgeable in contract negotiations as well as finding that perfect home for you! Ask your Loan Officer for agent referrals in the Lake Villa IL area.
At this point, your Loan Officer may have already requested documents such as your W2s and paystubs. You will now be asked to submit all documents so your file can move into the underwriting stage. Download our mobile app to use the scanner tool to upload your documents. Download Our Smart Phone App
The full loan package is now being underwritten. An appraisal will now be ordered and closing dates and times will be confirmed. Your Loan Officer will work with you and the underwriting team to clear all conditions. Once that has been completed, you are CLEAR TO CLOSE!
This is the day you have been waiting for! Your Loan Officer and Real Estate agent will meet you at the title company for your closing. A closing agent will go over all the closing documents with you and notarize them as you sign. Once all parties have signed, you are officially a home owner! CONGRATULATIONS!
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