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Lending Partners

Alaska Housing Finance Corp (AHFC).  - affordable loans, weatherization programs and more for Alaskan residents.

HomeChoice Classes - homebuyer education through AHFC

Fannie Mae - government-sponsored mortgage loan investment company

Interior Regional Housing Authority - serves Interior villages through the Dept. of Housing and Urban Development.

How to Get a Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail or call us with any questions or new information. If your Loan Officer is unavailable, one of our other expert Mortgage Team members can assist you. We are just a phone call or click away!


Here's an overview of the loan-application process:

STEP ONE -- Apply Now! Getting started is easy.

First, complete your loan application, even before searching for a property or Realtor. It’s important for you to have a pre-approval letter in hand when you begin your home search, before you enter into any buying contracts. To get started, select the full application from the Apply Now section on the left. 

We will contact you up front for any required documentation to begin the process.

STEP TWO -- Once Pre-Approved, Start Shopping!

Choose a Realtor to help you locate a property that is within your loan approval limits and will work well with your desired lifestyle. After you conclude your home search, bring any purchase contract with you into the credit union.

Step Three -- Purchase your home with your pre-approved Spirit of Alaska home loan.

We will keep you informed when any 3rd-party services are ordered, such as an appraisal, homeowners insurance and the preliminary title report.

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

Spirit of Alaska Federal Credit Union - NMLS#: 402231 NMLS #477932
1417 Gillam Way, Fairbanks, AK  99701
Office:  (907) 459-5974
homeloans@spiritofak.com
Copyright © 2018 Spirit of Alaska Federal Credit Union
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