Capital Home Mortgage Anchorage

Anchorage Manufactured Home Loans

Manufactured home Lender Anchorage Alaska

Manufactured Home Loans in Anchorage Alaska

A prefabricated home is a residential building made in a factory off-site, moved to its final location, and then installed on a foundation. A more precise definition is that a prefabricated home is any house built in a factory after June 15, 1976. The federal rules governing the construction of mobile homes were created on that date by the US Department of Housing and Urban Development (HUD).

Homes that are manufactured, mobile, or modular

Prior to 1976, mobile homes were manufactured in large quantities in response to the demand for affordable, mobile housing, but there were no regulations on building standards. People had to move to locations where there was work starting in the early 1900s in order to support their families, which is how the mobile home came to be.

These earliest mobile homes had wheels that made them portable and an exposed trailer coupler that resembled a modern camper or trailer. Typically, the home was built on steel I-beams that went end to end and were set on either a concrete foundation, concrete blocks, wooden blocks, metal supports, or metal supports.

Although the phrase “mobile home” is still widely used outside of the federal government, all transportable, factory-built dwelling types are now considered constructed under HUD rules. The department provides information on the necessary amounts of energy, wind, and snow for this kind of home.

Modular homes are created in sections, which are then transported and assembled on the construction site. The components, or modules, are joined together during construction much like in a typical house even though some portions of the structure were constructed in beforehand.

Similar to mobile homes, modular homes are built in a factory before being transported to the building site. The main difference between manufactured and modular homes is that the former are built in accordance with the national HUD code. Modular homes, on the other hand, are constructed in accordance with all relevant federal, state, and municipal building codes.

Finance For A Mobile Home

A construction loan could lessen your financial burden while helping you finance the development of a mobile home. A construction-to-permanent loan will change into a mortgage loan once construction and inspections are finished. For construction financing, a typical credit score of 600 and 20% down payment are required, respectively.

A manufactured house, a developed property on which to erect a manufactured home, or both may be purchased or refinanced using a HUD Title I loan. The borrower must dwell in the property as their primary residence.

The borrower of a Title I loan is not required to purchase or own the land where their manufactured house will be situated. Instead, borrowers can rent a site lot, such as one in a manufactured home community or mobile home park. HUD mandates that the lessor give the manufactured homeowner a three-year initial lease term when leasing the land or lot. The lease must also provide that the homeowner will receive written notice of any termination of the agreement at least 180 days beforehand. In the event that the landowners sell the property or close the park, these lease provisions are intended to safeguard homeowners.

Apply for a loan for a manufactured home

For individuals at the lower end of the price range, buying a manufactured house provides a secure and affordable route to homeownership.

If you think a prefabricated home loan would be your best choice, get in touch with one of our lending experts at Capital Home Mortgage Anchorage right away at (907) 531-5048. You may count on our mortgage experts to offer real, dependable guidance on any topic relating to mortgages.

Why Anchorage HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates and Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Anchorage Alaska Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Manufactured Home Loans ANCHORAGE Alaska

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.

  • Existing Purchase or Refinance
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans
Anchorage Mortgage Programs

Anchorage Home Purchase

Thinking of Buying an Anchorage Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Anchorage renovation home loans

Looking to Rehab an Anchorage Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Anchorage FHA Home Loans

Great for 1st Time Anchorage Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Anchorage VA Home Loans

100% Financing for Anchorage Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Anchorage Conventional Home Loans

Flexibility for Anchorage Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Anchorage Jumbo Home Loans

Anchorage Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Anchorage USDA Home Loans

100% Rural Anchorage Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Anchorage Native American Home Loans

Anchorage HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Anchorage Manufactured Home Loans

Great Alternative Anchorage Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.

  • Existing Purchase or Refinance
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Anchorage reverse mortgages

Your Anchorage Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Anchorage Non QM Home Loans

Making Anchorage Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Anchorage One Time Close mortgages

Build Your Anchorage Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Anchorage Refinance Mortgage Loans

Anchorage Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Anchorage Cash-out Home mortgages

Anchorage Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Anchorage Alaska Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

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