Get Pre-qualified and figure out the financing that is best for you

·         Start by getting an idea of how much of a monthly payment you can handle by using online mortgage calculators, such as those found on your bank website, or


·         Begin the mortgage pre-approval process by contacting a mortgage broker or retail lender (bank or online mortgage source)


·         Understand that mortgage pre-approval isn’t a 100% guarantee your loan will go through—ask your mortgage provider what types of issues could arise


·         Consider your options based on your own personal situation:


o   Conventional (fixed rate mortgage in 15-, 20- or 30-year term)

o   Adjustable Rate Mortgage (ARM) with a fluctuating interest rate tied to the U.S. Treasury   Securities Index

o   FHA Loan is a federally backed mortgage that requires only 3.5% down and can help those with less-than-stellar credit

o   VA Loan features attractive rates and flexible terms for active military or veterans

o   HUD184  Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. It requires only 2.75% down. 

o   In-House Financing is offered typically by developers on new-construction homes


·         Apply for pre-approval knowing it can help you be a more attractive buyer to the seller and speed up the closing process.






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The listing content relating to real estate for sale on this web site comes in part from the IDX Program of Alaska Multiple Listing Service, Inc. (AK MLS). Real estate listings held by brokerage firms other than Real Estate Company are marked with either the listing brokerage’s logo or the AK MLS logo and information about them includes the name of the listing brokerage. Listing last updated: