Capital Home Mortgage Juneau

Juneau Home Loans

Apply Now in Minutes
Refinance Now and Save

Juneau Alaska Mortgage Lender

Home Loans In Juneau, Alaska 

Welcome to Capital Home Mortgage Juneau. Juneau is Alaska’s capital city as well as its third-most populous. Downtown Juneau sits at the base of Mount Juneau, which was initially named Gold Mountain.  The real estate situation in Juneau has seen its share of ups and downs. Housing here is a joint effort between local authorities and community-based initiatives. The Juneau Economic Development Council has even listed housing programs and resources for interested individuals. When exploring house buying options, you’ll most certainly come across the terms — “fixed-rate” and “adjustable-rate” mortgages. It’s essential to understand what they mean and how they can impact the viability of your home loan. 

Fixed-Rate Mortgage vs. Adjustable-Rate Mortgage

When we talk about these mortgage terms, we’re talking about interest rates. Interest is the fee you pay for funds borrowed in the concept of mortgages, interest compounds. It means that interest earns interest because it’s added to the principal balance of your mortgage unless you pay off the interest.
  • Fixed-rate Mortgages

From the term itself, this simply means the interest rate of this mortgage is fixed. So from the first year up to the last year of mortgage payments, the rate remains unchanged.  The main advantage of a fixed-rate mortgage is that it protects you from changes in interest rates due to market movements. However, its downside is borrowers will miss out on more favorable payments if market rates drop.
  • Adjustable-rate Mortgages

An adjustable-rate mortgage (ARM) changes interest rates based on the adjustment frequency (e.g., yearly, every five years). Changes in interest are based on market movements as reflected in indices.  An index measures the change in the securities market, and they are used as a benchmark. In the case of ARM, the interest rate of your mortgage will change based on the movement of the index. Interest rates may go down if the market improves, and the opposite happens if the market worsens. The most significant advantage of an ARM is that it’s cheaper during the first few years, more so if interest rates go down. However, if interest rates go up, your monthly payments will be higher, and you’ll pay more interest. 

Juneau, Alaska Home Loans

Finding the right home loan can be complex, especially if you’re a first-time homebuyer or not knowledgeable in finance. Our Alaska mortgage experts at Capital Home Mortgage are here for you. We’re happy to walk you through the application process and answer any questions you may have about home loans in Juneau.  Capital Home Mortgage is a direct lender offering a wide selection of loan programs, including Conventional, Jumbo, and government-backed home loans. We make all the decisions in the loan process while also offering lower fees and competitive interest rates on approved loans. 

Get a Home Loan in Juneau

At Capital Home Mortgage, we understand that the decision to buy a home is one of the biggest you’ll ever make. That’s why we pride ourselves on simplifying the home loan process, from application to funding. We value excellent customer service and work tirelessly to ensure a smooth home buying experience.  Talk to our mortgage experts today and explore our mortgage packages for Juneau, Alaska. Contact us at (907) 531-5048 to get started with a no-obligation quote.

Why Juneau is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Juneau Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Juneau Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Juneau Mortgage Rates

Capital Home Mortgage Junea is dedicated to offering Great Juneau Mortgage Rates.

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

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

Juneau Alaska Mortgage Loans

Juneau Home Purchases

Buying a Juneau Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Juneau Renovation Home Loans

Juneau Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Juneau FHA Home Loans

1st Time Juneau Homebuyers

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

Juneau VA Home Loans

100% Loans for Juneau Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Juneau Conventional Home Loans

Flexibility for Juneau Buyers

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

Juneau Jumbo Home Loans

Great Juneau Rates

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

Juneau USDA Home Loans

Juneau Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Juneau Native American Loans

Juneau HUD 184 Loans

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

Juneau Manufactured Home Loans

Juneau Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Juneau Reverse Mortgages

Your Juneau Home at Work

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Juneau Cash-Out Refinance

Juneau Equity Refinance

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

Juneau Mortgage Refinance

Juneau Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Juneau Alaska Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Brad Rund

Director Native Lending
NMLS 1702894

Rob Fisher

Loan Officer
NMLS 1950995

Juneau Mortgage Company Reviews

Alaska Cities

Anchorage Home Loans

Fairbanks Home Loans

Juneau Home Loans