Capital Home Mortgage juneau

juneau Home Loans

Mortgage Lender juneau Alaska

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 Juneau 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 HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Juneau 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
Juneau Mortgage Programs

Juneau Home Purchase

Thinking of Buying a Juneau 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

Juneau renovation home loans

Looking to Rehab a Juneau 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

Juneau FHA Home Loans

Great for 1st Time Juneau 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

Juneau VA Home Loans

100% Financing for Juneau 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

Juneau Conventional Home Loans

Flexibility for Juneau 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

Juneau Jumbo Home Loans

Juneau 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

Juneau USDA Home Loans

100% Rural Juneau 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

Juneau Native American Home Loans

Juneau 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

Juneau Manufactured Home Loans

Great Alternative Juneau Housing

Juneau reverse mortgages

Your Juneau 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

Juneau Non QM Home Loans

Making Juneau 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

Juneau One Time Close mortgages

Build Your Juneau 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

Juneau Refinance Mortgage Loans

Juneau 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

Juneau Cash-out Home mortgages

Juneau 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

Juneau 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

JUneau Mortgage Company Reviews

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