Alaska NATIVE AMERICAN Home lender
The HUD 184 Native American Home Loan Guarantee Program is a home mortgage product designed to increase access to capital and facilitate homeownership for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992.
Are you a Alaska Native American? Capital Home Mortgage Alaska is a Alaska Native American Home Lender dedicated to helping Alaska residents with Alaska Native American Home Loans. The Alaska HUD-184 Loan is a federally-backed loan program by the Department of Housing and Urban Development offering low Tennessee Native American Mortgage Rates. It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms. The Alaska Section 184 Loan Program is open to any one member of a federally recognized tribe. The Loan is available to all Native Americans, first-time and repeat homebuyers, as long as they have a Tribal Membership or Citizen Card from a tribe officially recognized by the government. If you are a member of a Alaska Native Tribe and believe you may be eligible for a Section 184 loan, our dedicated HUD 184 Loan officers can help! We provide free consultations, answer any questions you may have about a Section 184 mortgage, and will walk you through all available loan options.
Capital Home Mortgage Alaska is a full-service Alaska Native American Mortgage Lender that offers and specializes in Native American Home Loans in Alaska . We have helped countless Alaska Native Americans achieve their homeownership, and we can do the same for you too! Call today (907) 531-5048 to speak with one of our Alaska HUD-184 Home Loan Specialist.
Alaska Native American Home Loans
Qualifying for a Alaska HUD 184 Loan
Are You Interested in an Alaska HUD-184 Loan? Here are some important details you need to know before applying for the Native American Home Loans.
- Credit Score: The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified but credit-challenged borrowers.
- Debt-to-Income Ratio: A single back ratio of 41% debt-to-income ratio to determine the loan size borrowers can afford.
- Borrower Income Limit: The HUD-184 Loan does not apply to borrower income limits.
- Down Payment : The HUD-184 Loan has some of the lowest down payment requirements in the market.
- Closing Costs: This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
- First-Time and Repeat Buyers: Compared to other low-down-payment mortgage programs, this one is open to first-time and repeat home buyers.
- Eligible borrowers may participate in the program multiple times but are allowed only one Section 184 Loan at a time
Alaska Native American Purchase Loan
Alaska HUD 184 Home Loans are solely for Native Americans and offer a variety of purchase benefits.
- Primary Residences Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase an Existing Home
- Construction of a New Home
- Rehab an Existing Home
- Purchase / Rehab Combo Loan
Alaska Native American REfinance Loan
Alaska HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.
CAsh-Out or Renovation
- Appraisal Required
- 97.75% Max LTV for Rehab
- 85% Max LTV for Cash-out
- County Loan Limits Apply
Streamline REfinance
- HUD 184 to HUD 184
- No Income Qualification
- No Appraisal Required
- No Mortgage Lates in Last Year
Alaska Native Americans Overview
Alaska is home to numerous Native American tribes, each with its own unique culture, language, and history. Here’s an overview of some of the major Alaska Native tribes:
Iñupiat: The Iñupiat people are indigenous to Alaska’s northern and northwestern regions, including the North Slope and the Bering Strait. They traditionally relied on subsistence hunting of marine mammals like whales, seals, and walrus, as well as fishing and gathering. Their traditional dwellings include the igloo and the sod house.
Yup’ik: The Yup’ik people primarily inhabit the southwestern part of Alaska, including the Yukon-Kuskokwim Delta region. They have a rich cultural heritage that includes subsistence hunting, fishing, and gathering. Yup’ik culture is known for its intricate masks, dance, and storytelling traditions.
Aleut: The Aleut people are indigenous to the Aleutian Islands and the Pribilof Islands in Alaska. Traditionally, they were skilled fishermen and hunters, relying on the resources of the sea for their livelihoods. The Aleut are known for their finely crafted kayaks, baskets, and intricate beadwork.
Athabaskan: The Athabaskan people have several distinct groups in Alaska, including the Gwich’in, Tanana, and Ahtna. They inhabit interior Alaska and parts of the southern coast. Traditionally, they lived a semi-nomadic lifestyle, relying on hunting, fishing, and gathering. Today, many Athabaskan communities maintain strong cultural traditions through language preservation and cultural events.
Tlingit: The Tlingit people primarily inhabit the southeastern region of Alaska, including the Inside Passage area. They have a rich artistic tradition, including totem pole carving, weaving, and ceremonial regalia. Historically, the Tlingit were organized into clans, and their society was stratified into nobility, commoners, and slaves.
Haida: While the Haida people primarily inhabit Haida Gwaii (formerly the Queen Charlotte Islands) in British Columbia, Canada, some also reside in southeastern Alaska. The Haida have a rich artistic tradition, particularly in woodcarving and weaving. They are known for their intricately carved totem poles and longhouses.
These are just a few of the many Native American tribes in Alaska, each with its own distinct cultural heritage, language, and traditions. It’s important to recognize and respect the diversity and resilience of Alaska’s indigenous peoples.
Why Alaska 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 Payment
Alaska Native American Mortgage Rates
Alaska Native American Mortgage Team
Alaska Mortgage Company Reviews
Alaska Mortgage Programs
Alaska Home Purchase loans
Looking to Purchase an Alaska Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Alaska Renovation Home Loans
Looking to Rehab an Alaska Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Alaska FHA Home loans
Great 1st Time Alaska Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Alaska va Home Loans
100% Financing for Alaska Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Alaska Conventional Home loans
Flexibility for Alaska Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Alaska Jumbo Home Loans
Alaska Non-Confirming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Alaska USDA Home loans
100% Rural Alaska Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Alaska Native american Home Loans
Alaska Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Alaska Manufactured Home loans
Great Alternative Alaska Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Alaska Reverse Mortgage Loans
Your Alaska Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Alaska Non QM Home loans
Making Alaska Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Alaska One Time Close Home Loans
Build Your Alaska Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Alaska Refinance Mortgage loans
Alaska Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Alaska Cashout Mortgage Loans
Alaska Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education