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mortgages Buying a Home - Alaska Real Estate

Buying a Home - Alaska mortgages, down payment assistance and first time home buyer grants for buying Alaska real estate.

Research the available Alaska mortgages and home loan programs for buying Alaska real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Alaska real estate.    


Government grants for buying a home

Here are some links for government grants for buying a home in Alaska.

Non-HUD Homebuying Programs

If you're looking for affordable housing finance options, you might want to contact one of the groups listed below.

Alaska Housing Finance Corporation (AHFC)
4300 Boniface Parkway
P.O. Box 101020
Anchorage, AK 99510-1020
Phone: (907) 338-6100
Statewide: 1st-Time Homebuyers, Interest rate deduction for low-income borrowers, Rural Loans

Anchorage Neighborhood Housing Services (ANHS)
3700 Woodland Drive, No. 500
Anchorage, AK 99517
Phone: (907) 243-1558
Local: Interest rate reduction program

AnCHOR Program - Municipality of Anchorage
Phone: (907) 343-4848
Anchorage-targeted areas: down-payment assistance.

U.S. Department of Veterans' Affairs (VA)
2925 DeBarr Road, No. 26
Anchorage, AK 99508-2989
Phone: (907) 257-4736/4737
Nationwide: Loan guarantees to U.S. military veterans.

USDA - Rural Development
800 Evergreen, Suite 201
Palmer, AK 99645-6539
Phone: (907) 745-2176
Nationwide - rural areas: loan guarantees for low- and moderate-income families.

Cook Inlet Housing Authority
3510 Spenard Road, Suite 201
Anchorage, AK 99503
Phone: (907) 276-8822
Anchorage Bowl Area: 1st-time Homebuyers, Alaska Native and Native American.

The following Indian Housing Authorities offer housing opportunities for residents in rural Alaska:

        Aleutian Housing Authority; Anchorage
Phone: (907) 543-3121

        Baranof Island Housing Authority; Sitka
Phone: (907) 747-5088

        Bering Straits Regional Housing Authority; Nome
Phone: (907) 443-5256

        Bristol Bay Housing Authority; Dillingham
Phone: (907) 842-5956

        Copper River Basin Regional Housing Authority; Copper Center
Phone: (907) 822-3633

        Interior Regional Housing Authority; Nome
Phone: (907) 452-8315

        Kodiak Island Housing Authority; Kodiak
Phone: (907) 486-8111

        Metlakatla Housing Authority; Metlakatla
Phone: (907) 886-6500

        North Pacific Rim Housing Authority; Anchorage
Phone: (907) 562-1444

        Northwest Inupiat Housing Authority; Kotzebue
Phone: (907) 442-3450

        Tagiugmiullu Nunamiullu Housing Authority; Barrow
Phone: (907) 852-0290

        Tlingit-Haida Regional Housing Authority; Juneau
Phone: (907) 780-6868

 

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Alaska.

HART - down payment assistance program allows you to buy a home with no money down.

FHA Loan with Nehemiah - down payment assistance program for buying a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Alaska or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Score at TransUnion

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Alaska.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans and mortgage calculators..

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Alaska Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Alaska real estate of homes for sale.

Complete the form below for direct access to the following types of Alaska real estate listings:

  • Alaska Real Estate Listings and MLS
  • Alaska HUD Homes
  • Alaska For Sale By Owner Homes
  • Alaska New Homes for Sale
  • Alaska Foreclosure Homes for Sale
Access Alaska Real Estate Listings

You will get free unlimited access to search Alaska real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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