ERIC HOFFMANMortgage Broker · First Rate Financial Apply now

Home / Alaska / Fairbanks home loans

Fairbanks home loans

Fairbanks and North Pole mortgage broker

From Fort Wainwright and Eielson families to cabins off the road system, Eric Hoffman compares loans from multiple lenders and checks the property early so there are no surprises at appraisal.

Get pre-qualified Text Eric

Loan options

Loans I offer in Fairbanks

  • VA loans0% down and no monthly mortgage insurance for eligible veterans, service members, and surviving spouses.
  • USDA rural loans0% down for eligible buyers in eligible areas. Many areas outside town may qualify, and Eric checks the address for you.
  • Cabin and rural property loansHomes on wells and septic, dry cabins, and acreage. Some loans have rules about water, heat, and access, so Eric matches the property to a loan that fits.
  • AHFC loansAlaska Housing Finance Corporation programs for first-time buyers, veterans, and rural properties, compared side by side with other options.
  • First-time buyer loansConventional and FHA options with low down payments.
  • RefinancingLower your rate, drop mortgage insurance, or take cash out.

Areas served

Serving Fairbanks

Fairbanks, North Pole, Ester, Fox, Two Rivers, Salcha, Fort Wainwright, and Eielson Air Force Base

Have a question?

Fairbanks mortgage questions

Who is a good mortgage broker in Fairbanks?

Eric Hoffman (NMLS #2397260) is an Alaska mortgage broker with First Rate Financial who lends in Fairbanks, North Pole, and statewide. He has closed hundreds of loans and offers conventional, FHA, VA, USDA, jumbo, and AHFC loans. Call or text (907) 388-0922.

Can I use a VA loan if I'm stationed at Fort Wainwright or Eielson?

Yes. Eligible service members and veterans can buy with no down payment and no monthly mortgage insurance. VA appraisals also check basic safety items like heat and water, which matters for older homes and cabins.

Can I get a mortgage on a dry cabin?

It depends on the loan. Many standard loans require running water, but some lenders and programs are more flexible. Send Eric the listing and he'll tell you straight which loans can work.

Is North Pole eligible for USDA loans?

Many areas around Fairbanks and North Pole may be USDA eligible, but eligibility is set by address and can change. Eric will check the exact property for you.

Get started

Talk to Eric

Call or text (907) 388-0922, or email Eric.H@firstrateak.com. I reply within a couple of hours during business hours.

Apply nowGet pre-qualified

More: Alaska · Idaho · Colorado · Investment loans · Anchorage · Fairbanks · Mat-Su Valley · Juneau

Text Eric Apply