Capital Home Mortgage Juneau

Juneau USDA Home Loans

USDA Mortgage Lender Juneau Alaska

USDA Home Loans in Juneau Alaska

How do USDA house loans work in Juneau Alaska, and are you eligible? Here is some information on USDA loans and how they might assist you in buying a property.

A USDA Home Loan: What Is It?

A USDA house loan is a no-downpayment mortgage available to buyers in certain rural and suburban areas. USDA loans are guaranteed by the Rural Development Guaranteed Housing Loan Program of the U.S. Department of Agriculture.

Single-family rural housing loans are available from the USDA in two different forms: Direct and Guaranteed.

A USDA-guaranteed mortgage

By offering loan guarantees in the case of potential default, the Single-Family Home Guaranteed Loan Program helps low- and moderate-income individuals and families secure financing.

The USDA Guaranteed Loan Program helps qualified lenders provide low- and moderate-income households with the opportunity to purchase good, safe, and sanitary primary residences in eligible rural areas. For the purchase, building, renovation, improvement, or relocation of a home in an authorized rural region, 100% financing is offered to qualified candidates. Because there is no down payment necessary, the program reduces the risk for certified lenders by providing a 90% loan note guarantee to qualified rural homebuyers.

USDA Direct Mortgage

By improving their capacity to pay back their mortgage loans, this program enables low- and very-low income candidates to purchase decent, secure, and hygienic dwellings in specified rural locations. A subsidy known as payment assistance reduces mortgage payments momentarily. The family’s adjusted income determines the amount of assistance.

Direct applications from individuals and families are accepted through the regional USDA Rural Development Office.

For a property to be eligible for a USDA mortgage, it must be situated in an acceptable rural area. Consider that you’ve already located a property in which you’d be interested in investing. In that situation, you can check the website of the United States Department of Agriculture’s Property Eligibility page to see if the property is eligible.

How To Be Eligible For An Alaska USDA Loan

You must meet the following requirements in the state of Washington to be eligible for a USDA home loan:

– In the area where you want to buy a property, your adjusted income must be at or below the applicable low-income level.

– Demonstrate a readiness and ability to pay back debt

– A lack of sanitary, safe, and decent housing

– The property must be situated in an eligible rural area.

– Adhere to USDA occupancy standards.

– The physical state of the property must be acceptable.

You must agree to inhabit the home as your primary residence in addition to completing the income requirements and choosing a suitable property or location. Loans from the USDA cannot be utilized to buy a second home or an investment property.

You must be unable to obtain conventional finance in order to be eligible, but you must also show that you have the means to repay the loan. Additionally, you must be an eligible alien who hasn’t been disqualified or suspended from taking part in any government programs, a citizen of the United States, a non-citizen national of the United States, or another eligible alien.

Apply for a USDA Loan in Juneau Alaska

Call (907) 531-5208 to speak with one of our USDA Home Loan Specialists or utilize the tools on this page to get started if you think you qualify and want to apply for a USDA loan.

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

Juneau USDA Mortgage 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.

  • Guaranteed by US Depart of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only
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

Native American Lending
Manufactured Housing

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