Alaska Native American Home lender
Empowering Native American and Alaska Native Homeownership. The Alaska HUD-184 Loan Program: Your Path to Homeownership!
Are you a member of a federally recognized tribe in Alaska? The HUD-184 Native American Home Loan Program could be your key to achieving homeownership with flexible terms and competitive rates. Established by Congress in 1992, this specialized mortgage program is designed specifically to help American Indian and Alaska Native families, tribes, and tribal organizations access affordable home financing.
Why Choose the HUD-184 Loan Program?
The HUD-184 loan offers unique advantages tailored to Native American communities:
- Low down payment requirements
- Flexible credit qualifying guidelines
- Competitive interest rates
- Available for both first-time and repeat homebuyers
- Can be used for purchasing, building, or refinancing a home
Who Can Qualify?
You may be eligible for a HUD-184 loan if you:
- Are a member of a federally recognized tribe with a valid Tribal Membership or Citizen Card
- Plan to use the loan for a primary residence in Alaska
- Meet basic credit and income requirements
- Are a first-time or repeat homebuyer
Expert Guidance from Capital Home Mortgage Alaska
At Capital Home Mortgage Alaska, we specialize in Native American home loans and understand the unique aspects of tribal homeownership. Our dedicated HUD-184 loan specialists will:
- Provide a free, no-obligation consultation
- Answer all your questions about the Section 184 program
- Guide you through available loan options
- Help you navigate the entire mortgage process
- Work to secure the best possible terms for your situation
Your Trusted Alaska Native American Mortgage Lender
As a full-service mortgage lender with extensive experience in Native American home loans, we’ve helped countless Alaska Native families achieve their dream of homeownership. Our team understands the intricacies of tribal lending and is committed to providing personalized service throughout your homebuying journey.
Ready to explore your options? Contact our HUD-184 Home Loan Specialists today at (907) 531-5048 and take the first step toward owning your own home. Together, we can make your homeownership dreams a reality.
Alaska Native American Mortgage Rates
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 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 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 a rich diversity of Native American tribes, collectively referred to as Alaska Native tribes, who have deep cultural, historical, and environmental connections to the region. These tribes are generally grouped into cultural categories based on their geographic location, language, and traditional lifestyles.
The Iñupiat and Yupik peoples inhabit the Arctic and sub-Arctic regions of Alaska, including the northern and western coasts. They are renowned for their expertise in Arctic subsistence, relying on marine mammals such as seals, whales, and walruses. Their innovative tools and communal hunting practices reflect a profound adaptation to extreme climates. The Yupik and Iñupiat are also celebrated for their intricate ivory carvings and environmental advocacy, particularly concerning Arctic preservation and sovereignty.
In Alaska’s interior, the Athabaskans have thrived in the river valleys and boreal forests. Known for their deep knowledge of the land, Athabaskans depend on moose, caribou, and fishing for survival. Their intricate beadwork, birchbark craftsmanship, and rich oral traditions preserve their cultural heritage and ecological wisdom. Their history and stories are vital to understanding Alaska’s interior.
Southeast Alaska is home to the Tlingit, Haida, and Tsimshian peoples, who inhabit the coastal rainforest and the Inside Passage. These tribes are famous for their totem poles, longhouses, and clan-based social structures. Their potlatch ceremonies are a hallmark of cultural expression, symbolizing wealth, generosity, and social status. Despite a history of colonization, these tribes have demonstrated remarkable resilience, advocating for land rights and cultural preservation.
The Aleut, or Unangan, people reside in the Aleutian Islands and along the Alaska Peninsula. They are skilled seafarers and traders, known for their ability to navigate the rough waters of the North Pacific. Traditionally reliant on sea otters, seals, and fish, they crafted finely made baidarkas (kayaks) and developed sustainable maritime practices. Their history includes displacement during World War II, but their cultural resilience remains strong.
In Southcentral Alaska and Kodiak Island, the Alutiiq, or Sugpiaq people, have a maritime tradition deeply tied to fishing, whaling, and hunting marine mammals. Their cultural expression includes beautiful mask-making, storytelling, and art that reflects both pre-contact traditions and Russian colonial influences.
Alaska Native tribes have made significant contributions to sustainability and environmental stewardship, offering valuable lessons about living in harmony with nature. Their art—ranging from totem poles and carvings to beadwork and ceremonial masks—represents a vital part of global cultural heritage. Alaska Natives have also been pivotal in advocating for land rights, such as through the Alaska Native Claims Settlement Act (ANCSA) of 1971, and are at the forefront of efforts to combat climate change and protect ancestral lands.
Despite facing challenges such as cultural assimilation, land disputes, and the effects of climate change, Alaska Native tribes continue to thrive. Through education, cultural revitalization, and political advocacy, they preserve their heritage while adapting to modern realities. Their enduring legacy shapes not only Alaska’s identity but also its environmental, cultural, and economic landscape.
Why Alaska is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Competitive Rates & Fees
Direct Lender with Complete Mortgage Programs
Exceptional Service
Customer Support Application to Final Payment
Alaska Mortgage Company Reviews
Alaska Native American Mortgage Team
Alaska Mortgage Programs
Alaska Home Purchase loans
Looking to Purchase an Alaska 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, 2nd Home, Investment
- Competitive 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?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- 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
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 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
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- 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
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
- 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
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- 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
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.
- 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
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
- Purchase, Refinance, and Renovation
Alaska Manufactured Home loans
Great Alternative Alaska 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
- 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
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
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Alaska Non QM Home loans
Making Alaska Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- 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
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 Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Alaska Refinance Mortgage loans
Alaska Rate & Term Refinance
Refinancing can be a hard decision and may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Alaska Cashout Mortgage Loans
Alaska Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
Alaska Cities