Lisa Emmerson
Loan Officer
NMLS# 198601
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance
If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
The Loan officer Lisa was great to work with and very helpful she made the loan process easy to navigate. thank you!
Lisa went above and beyond for a difficult to approve buyer and she was able to make it happen! The buyer had gone through 2 other lenders who couldn't make it work and she was able to find a solution!
Lisa was very patient and involved. She provided information in a way that made me understand what I was getting myself I to. She is a pleasure. :)
Lisa was informative, available, and kind especially when we had some last minute changes
NMLS ID #198601
I am authorized to do business in the state of Alaska. Branch NMLS ID 1739971; 
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