Skip to Content (press ENTER)

How Much Home Can You Afford?

Get an estimate of how much home you can afford using our Mortgage Calculator—but don’t rush out and start home shopping yet! You’ll want an official letter of preapproval when you start talking to sellers.


Launch Calculator
Preapproval Power

Having a letter of preapproval on hand means you can confidently make an offer right on the spot when you find the home of your dreams. Securing your funding ahead of time also lands you several steps forward in the mortgage process, so your move in day is that much closer.


One of a kind partnership

Low rates, low fees, and a one-on-one mortgage experience are just a few of the reasons people love working with us to buy their home. We’ve streamlined the home buying process to simple steps, and put your needs at the heart of everything we do.

Experience Counts

Our mortgage experts have experience that others in the industry simply can’t match. Decades of experience working with people from all walks of life, taking the time to understand your needs and match you to a home loan that’s as unique as you are. 

For Placement ONly

4.8 star rating

4.8 of 5 Stars for Customer Satisfaction

We’re proud of that rating because of what it represents: more than 30 years of responsible lending and care for our clients.
Behind those stars are our people. Our home loan experts are more experienced on average than others—and, more importantly, they’ll keep you informed of the changes in the financial marketplace that might benefit you and give you options.

Source: Previous home borrowers surveyed since 2017.

Want to know more? We're happy to help.

Meet with a home loan expert to get all your questions answered.

Loans for Every Need

The type of home loan you’ll get can depend on many factors, like location, military service, or primary usage. You originator will show you the smartest loan for your needs, but feel free to review a few of the options we provide. 



Popular with first time home buyers, FHA loans allow for low down payments for qualified borrowers.


Available as a 15-year or 30-year mortgage, fixed-rate mortgages allow for predictability in your monthly housing costs.


Certified Military Home Specialists know the ins and out of the VA loan program and provide exceptional service to those who serve our country.


If you’re purchasing a high-value property with large monthly payments, a Jumbo loan is a good financing solution.


An adjustable rate mortgage, or ARM, is often ideal for borrowers with stable, increasing income potential and for short-term purchases.

Investment Property

We offer financing for people who want to purchase a property for vacations, rental, or some combination of the two.

HUD - Section 184

Loans designed specifically for American Indian and Alaska Native families, tribes, Alaska Villages, or tribally designated housing entities.

How Much Home Can I Afford?

Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule.

Launch Calculator

You May Also Like...

7 Key Steps to Buying a Home

Take the mystery out of buying your next home by following these steps.

Continue reading

Is Refinancing Right For You?

Refinancing your home or vehicle loan can lead to a lower monthly payment, a shorter payment term or both! 

Continue reading

Balancing the Pros and Cons of Buying a Home

Is the timing right for you? 4 things to consider when deciding whether to buy a home.

Continue reading

Happy Members

When I wanted to buy a house in Haines, my credit union at the time said no, they wouldn't take a chance on me. A friend in real estate suggested someone in the Alaska USA Mortgage Company Juneau office, and the rest is history. Alaska USA said yes and helped me work through the process. I became a homeowner for the first time at age 63. Having my own place is truly satisfying and stabilizing for me. I couldn't have done this without Alaska USA and would highly recommend all the different services Alaska USA has to offer.

Evelyna — Alaska

Jason did a great job! I think we closed faster than expected. I would recommend AK USA and Jason to my friends and family in the future without a doubt.

Just a few of our achievements

Best Mortgage Company

Awarded for the fifth consecutive year by the readers of the Mat-Su Frontiersman.

Better Business Bureau

A+ Rating from the Better Business Bureau

Associate of the Year

from the Anchorage Home Builders Association

Mortgage Loan Originator Steven Kihn was awarded for his proven track record of hard work and dedicated service to the home building industry.

You're About to Leave

You are about to visit a third-party website not operated by Alaska USA Federal Credit Union.

Alaska USA Federal Credit Union is not responsible for the product, service, or website content on any external third-party sites and does not represent either you or the website operator if you enter into a transaction. Alaska USA Federal Credit Union's privacy and security policies do not apply to the linked site.

Continue to site OR, CANCEL