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

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

Alaska Native American Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859
Brad-Rund

Brad Rund

Business Dev Manager
NMLS #224674

Alaska Mortgage Company Reviews

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
  • 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?

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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage 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 Properties
  • 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 the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • 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 by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Alaska Cities

Anchorage Home Loans

Fairbanks Home Loans

Juneau Home Loans

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