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Personal, local expertise to help make your home purchase or refinance process easy.
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Our wholly-owned subsidiary, Residential Mortgage, is a leader in the mortgage origination industry and serves borrowers purchasing or refinancing homes in Alaska and other select states in the lower 48 from offices statewide.
Established in 1998, Residential Mortgage’s loan originators are experts in the housing market, have an in-depth knowledge of the industry, and are committed to helping you find the right mortgage loan for your needs.
When you work with Residential Mortgage, you can expect:
Just like there are many different types of homes, there are many different types of mortgage loans. Residential Mortgage offers a variety of options and will work with you to find the right one.
AHFC offers reduced interest rates to eligible first-time homebuyers.
AHFC offers financing options for renovations in conjunction with a purchase or refinance.
Count on consistent monthly payments and fixed interest rates for the life of your loan.
Federal Housing Administration (FHA)
Designed for borrowers with a minimal down payment and lower credit scores.
USDA Rural Development
Provides up to 100% financing for qualified borrowers looking to purchase a home in specified areas of rural Alaska.
Qualified veterans may obtain financing at lower rates with this AHFC program.
This AHFC program is available for certain properties for which financing may not be obtained through private, state or federal mortgage programs.
Adjustable Rate Mortgage (ARM)
These loans typically feature lower introductory rates that adjust periodically throughout the life of the loan.
Veterans Administration (VA)
VA loans have little or no down payment requirements, no monthly mortgage insurance and provide up to 100% financing.
AHFC financing to purchase or renovate owner-occupied or rental housing in small communities.
Available statewide for applicants or properties not meeting the particular requirements of other AHFC programs.
Non-Conforming or Jumbo
Available for properties in which conventional financing requirements aren’t met, or loans greater than $765,600.
Provides lower down payments, interest rates and closing costs to members of Alaska Native and American Indian tribes.
Residential Mortgage’s operations, products and/or services do not originate from, and are not endorsed by the Veterans Administration (VA), U.S. Department of Agriculture (USDA), Department of Housing and Urban Development (HUD) or Federal Housing Authority (FHA).
Residential Mortgage, LLC
Member Mortgage Bankers Association of America
All loans are subject to credit approval
There are several ways to take the first step toward your new home.
Complete your mortgage loan application quickly, easily and securely online.
Your Northrim banker can also connect you with an experienced Residential Mortgage loan originator.
Stop by any of Residential Mortgage’s convenient branch locations.
Call (888) 357-2707 to schedule an appointment or ask questions.
We are here to help with your mortgage questions.
Our guide details escrow account changes and how they impact your mortgage payment.
Free counseling from the U.S. Department of Housing & Urban Development.
Speak with a Northrim Payment Specialist
Let’s work through a plan, together.
Northrim Bank NMLS #490464
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Call Us: (907) 562-0062 or 1-800-478-2265
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