Blue Sky Financial, LLC · NMLS #1954591
Effective date: September 16, 2026
These Terms of Use govern your use of blueskyfinancial.com (the “Site”), operated by Blue Sky Financial, LLC (“Blue Sky Financial,” “we,” “us,” or “our”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Who We Are and Where We Lend
Blue Sky Financial, LLC is a licensed mortgage lender, NMLS #1954591, licensed in California, Colorado, Idaho, and Washington. You can verify our license at NMLS Consumer Access.
We can only originate loans secured by property in the states where we are licensed. Information on this Site is not an offer to lend in any state where we are not licensed.
California residents: Blue Sky Financial, LLC is licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License #60DBO-113383.
2. Not an Offer, Commitment, or Advice
Nothing on this Site is:
- An offer or commitment to lend. All loans are subject to application, underwriting review, credit approval, income and asset verification, property appraisal, title review, and program eligibility. Not all applicants will qualify.
- A rate lock or a guarantee of terms. Interest rates, points, fees, and program terms change frequently and without notice. Any rate shown is illustrative and is not available until locked in writing.
- Financial, tax, legal, or investment advice. Consult your own licensed advisors before making decisions about a mortgage, an investment property, or your tax position.
3. Calculators and Estimates
Any calculator, payment estimate, affordability tool, or figure on this Site is provided for general illustration only. Results are estimates based on the assumptions you enter and do not include all costs. They are not a quote, a pre-approval, a Loan Estimate, or a commitment to lend, and your actual payment, rate, and closing costs will differ. Only a Loan Estimate issued under federal law reflects terms we are offering you.
4. Loan Program Information
Descriptions of loan programs on this Site — including DSCR, bank statement, self-employed, conventional, FHA, VA, jumbo, and home equity programs — are general summaries. Program requirements, qualifying ratios, credit minimums, loan-to-value limits, reserve requirements, and eligible property types vary by investor, by state, and over time. The terms that apply to you are the terms in your loan documents, not the terms described here.
VA loan benefits are available only to eligible veterans, service members, and qualifying surviving spouses. Government-backed programs have eligibility requirements set by the applicable agency, not by us.
5. Using the Site
You agree that you will:
- Be at least 18 years old and legally able to enter into a contract
- Provide accurate, current, and complete information when you submit a form
- Use the Site only for lawful purposes
You agree that you will not attempt to gain unauthorized access to the Site or its systems, interfere with its operation, scrape or harvest data from it by automated means, submit false information or apply on another person’s behalf without authority, or use the Site to transmit malicious code.
Mortgage fraud is a federal crime. Knowingly providing false information on a loan application can result in criminal and civil penalties.
6. Communications and Electronic Records
By submitting a form on this Site, you consent to receive communications from us electronically, and you agree that electronic records and signatures satisfy any legal requirement that a communication be in writing.
If you check the consent box on one of our forms, you give express written consent for us to contact you at the phone number and email address you provided — including by autodialed or prerecorded calls and SMS text messages — about mortgage products and services. That consent is not a condition of applying for or receiving any loan, product, or service, and you may withdraw it at any time by replying STOP to a text, telling the caller to stop, or emailing [email protected]. Message and data rates may apply; message frequency varies; reply HELP for help.
7. Privacy
Our collection and use of your information is described in our Privacy Policy, which is incorporated into these Terms.
8. Intellectual Property
The content on this Site — text, graphics, logos, images, and page design — is owned by Blue Sky Financial, LLC or its licensors and is protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. You may not reproduce, republish, distribute, or create derivative works from Site content without our written permission.
Customer reviews displayed on this Site are the statements of the individuals who wrote them and reflect those individuals’ experiences. They are not a guarantee of results and do not reflect the experience of every client.
9. Third-Party Links and Services
This Site links to websites and services we do not control, including our online application portal and third-party review platforms. We provide those links for convenience. We do not endorse and are not responsible for the content, products, security, or privacy practices of those sites, and your use of them is governed by their terms.
10. Disclaimer of Warranties
The Site is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that information on it is complete, current, or accurate.
11. Limitation of Liability
To the fullest extent permitted by law, Blue Sky Financial, LLC and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of your use of or inability to use the Site — even if we have been advised of the possibility of such damages.
Nothing in these Terms limits any right you have under applicable consumer protection law, and some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
12. Indemnification
You agree to indemnify and hold harmless Blue Sky Financial, LLC and its members, officers, employees, and agents from any claim or demand, including reasonable attorneys’ fees, arising out of your breach of these Terms, your misuse of the Site, or your violation of any law or third-party right.
13. Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to its conflict-of-laws rules, except where the law of your state of residence applies and cannot be waived.
14. Changes to These Terms
We may update these Terms at any time. Changes take effect when posted, and the “Effective date” above will be revised. Your continued use of the Site after a change means you accept the updated Terms.
15. Contact Us
Blue Sky Financial, LLC
NMLS #1954591
1151 E Iron Eagle Dr, #111
Eagle, ID 83616
Phone: (833) 258-7591
Email: [email protected]
Equal Housing Opportunity. Licensed in California, Colorado, Idaho, and Washington. Verify our license at NMLS Consumer Access.
