Derek Huit · NMLS #203980 · Cardinal Financial
Compare your Alaska mortgage options
Side-by-side loan comparisons and a plain-English calculator — built for Alaska homebuyers. No hype, no hidden agendas, just the numbers that matter.
Licensed in: AK · FL · GA · IL · IN · MI · MT · OK · TX · WA
Four loan types. One honest comparison.
Every buyer is different. Here's how the major programs stack up at a glance — then dig into the details on the comparison page.
For eligible veterans & service members
0% down payment for eligible borrowers, no monthly mortgage insurance, and competitive terms for those who served. Alaska's military community — JBER, Eielson, Fort Wainwright, Coast Guard — this is your lane.
Lower barrier to entry
3.5% minimum down payment and more flexible credit guidelines. A strong fit for first-time Alaska buyers getting into their first home.
Flexible and widely used
Down payment options vary by program, and stronger credit is typically rewarded. Private mortgage insurance can usually be removed once you build enough equity.
For higher-priced Alaska homes
When the home you want exceeds standard loan limits, a jumbo loan covers the difference. Talk with Derek about what your price range makes possible.
Short on down payment? There's help.
Cardinal's national down payment assistance program offers 3.5% or 5% toward your down payment as a repayable second lien — a second loan you repay, not a grant. No income limit.
How Down Payment Assistance WorksRun your own numbers
Enter your own home price, down payment, rate, and term. The calculator shows estimated principal & interest — nothing pre-filled, nothing promised.
Open the CalculatorEstimates only — not a credit offer, quote, or commitment to lend. For illustration only.
How comparing works here
Compare loan types
Read the side-by-side breakdown of VA, FHA, and Conventional so you know which lane fits your situation.
Run the calculator
Plug in your own numbers to estimate principal & interest. You control every input.
Apply in minutes
When you're ready, start a real application with Cardinal Financial — soft credit pull, real pre-approval, no obligation.
Ready to see which loan fits?
Talk with Derek Huit, NMLS #203980 — licensed in Alaska and nine other states.
Start My ApplicationSoft credit pull. Real pre-approval. No obligation.