The Program Library
Five programs. Five duty stations. One licensed Alaska originator who closes them year-round — frozen ground, well water, sight-unseen and all.
No. 01 — Pick your program
No. 01
The core benefit: buy an Alaska home with no down payment and no monthly mortgage insurance.
Active duty, veterans, Guard/Reserve members, and eligible surviving spouses buying a primary residence in Alaska.
No. 02
The lowest-friction refinance in the mortgage world — if the math clears VA's own tests.
Homeowners with an existing VA loan who want to reduce their rate or move from an ARM to a fixed rate.
No. 03
Access Alaska home equity — or refinance a non-VA loan into the VA program.
Veterans and service members with equity who need cash for a defined purpose, or who hold an FHA/conventional loan they want to move into VA.
No. 04
Alaska's high-cost designation means bigger zero-down potential than the Lower 48.
Buyers shopping above typical Lower-48 price points — Anchorage Hillside, view properties, multi-unit buildings, or larger Mat-Su acreage homes.
No. 05
Used your VA loan before? You almost certainly have more benefit left than you think.
Service members and veterans who've had a VA loan previously — including those who still own the prior home.
No. 02 — Full coverage
Twenty-five pathways. Each cell is a real scenario I run: your program, your base, your file.
| Duty station | Purchase | IRRRL | Cash-Out | High-Balance | Second Use |
|---|---|---|---|---|---|
| JBER | ●VA Purchase Loan available at Joint Base Elmendorf–Richardson | ●VA IRRRL — Streamline Refinance available at Joint Base Elmendorf–Richardson | ●VA Cash-Out Refinance available at Joint Base Elmendorf–Richardson | ●High-Balance VA Loans available at Joint Base Elmendorf–Richardson | ●Second-Use & Restored Entitlement available at Joint Base Elmendorf–Richardson |
| Fort Wainwright | ●VA Purchase Loan available at Fort Wainwright | ●VA IRRRL — Streamline Refinance available at Fort Wainwright | ●VA Cash-Out Refinance available at Fort Wainwright | ●High-Balance VA Loans available at Fort Wainwright | ●Second-Use & Restored Entitlement available at Fort Wainwright |
| Eielson AFB | ●VA Purchase Loan available at Eielson Air Force Base | ●VA IRRRL — Streamline Refinance available at Eielson Air Force Base | ●VA Cash-Out Refinance available at Eielson Air Force Base | ●High-Balance VA Loans available at Eielson Air Force Base | ●Second-Use & Restored Entitlement available at Eielson Air Force Base |
| Fort Greely | ●VA Purchase Loan available at Fort Greely | ●VA IRRRL — Streamline Refinance available at Fort Greely | ●VA Cash-Out Refinance available at Fort Greely | ●High-Balance VA Loans available at Fort Greely | ●Second-Use & Restored Entitlement available at Fort Greely |
| Base Kodiak | ●VA Purchase Loan available at USCG Base Kodiak | ●VA IRRRL — Streamline Refinance available at USCG Base Kodiak | ●VA Cash-Out Refinance available at USCG Base Kodiak | ●High-Balance VA Loans available at USCG Base Kodiak | ●Second-Use & Restored Entitlement available at USCG Base Kodiak |
| Clear SFS | ●VA Purchase Loan available at Clear Space Force Station | ●VA IRRRL — Streamline Refinance available at Clear Space Force Station | ●VA Cash-Out Refinance available at Clear Space Force Station | ●High-Balance VA Loans available at Clear Space Force Station | ●Second-Use & Restored Entitlement available at Clear Space Force Station |
| Sector Juneau | ●VA Purchase Loan available at USCG Sector Juneau | ●VA IRRRL — Streamline Refinance available at USCG Sector Juneau | ●VA Cash-Out Refinance available at USCG Sector Juneau | ●High-Balance VA Loans available at USCG Sector Juneau | ●Second-Use & Restored Entitlement available at USCG Sector Juneau |
● Available — licensed statewide in Alaska, plus GA · IL · IN · MI · MT · OK · TX · WA
Not sure which program?
Describe your situation. I'll match the program.
Two minutes on the intake form or one phone call — either way you'll know exactly which VA pathway fits before anything gets pulled.