Do you lend in Alaska?

Yes, Loan Goat funds investor real estate throughout Alaska, including Anchorage, Wasilla, Fairbanks, Juneau and Sitka. We are a veteran-owned direct private lender based in San Diego with in-house capital and a 5.0 Google rating from more than 150 reviews. Distance does not slow your file, because the underwriting happens in one place and the money is ours. Call (619) 617-2797 to get terms.

Can you finance a short-term rental in Sitka or Juneau?

Visitor-driven rentals in Southeast Alaska are business-purpose property, which is exactly what we lend on. Bridge financing buys and renovates the building before the season, and rental property DSCR loans hold it afterward. We underwrite the asset and its income potential rather than your personal tax picture, which matters when your earnings are seasonal or arrive from several directions at once.

Will you lend in the Matanuska-Susitna Borough?

Wasilla and the surrounding Mat-Su Borough are active for us. New construction on acreage, rural parcels and small multifamily all work here. Construction loans fund in draws that match a compressed building calendar, and bridge money can close on the land while the plans finish. Give us the parcel, the scope and the exit, and a term sheet comes back the same day.

Do you finance rentals near the University of Alaska Fairbanks?

Fairbanks rentals serving the university, Fort Wainwright and Eielson Air Force Base are straightforward rental property files, and DSCR underwriting suits them. If the house needs work before anyone can lease it, a bridge loan handles the purchase and the rehab, then the permanent rental loan takes over. With no prepayment penalty, that refinance costs you nothing extra.

Hard Money Lender Alaska

Loan Goat lends across Alaska, from Anchorage and the Matanuska-Susitna Valley to Fairbanks, Juneau and Sitka. You might be buying a small multifamily building off the Glenn Highway, a cabin to run as a visitor rental, or a tired downtown property that needs a full season of work. We finance business-purpose deals on non-owner-occupied real estate, and we do it with our own capital rather than someone else's approval.

Alaska is not one market, it is several that barely touch. Anchorage holds the people, the port and most of the housing stock investors actually trade, much of it postwar and mid-century. The Matanuska-Susitna Valley around Wasilla is where new single-family and acreage product goes up. Fairbanks turns on the university and the military installations beside it. In the Southeast, Juneau and Sitka are channel economies where buildable land is genuinely scarce.

Being headquartered in San Diego is not a problem for an Alaska borrower, it is the reason this works. Loan Goat is the direct lender and holds the capital in-house, so nothing travels through a chain of regional offices. Documents sign electronically, title and valuation get ordered the day we agree on terms, and funding lands in five to seven days. We lend here, and we do it without a storefront in Anchorage.

Anchorage investors trade postwar single-family in Spenard and on the Hillside, plus small apartment buildings that have carried the same tenants for years. Wasilla and Palmer see new construction on acreage as the valley absorbs commuters. Fairbanks runs on rentals serving the University of Alaska Fairbanks, Fort Wainwright and Eielson Air Force Base. Juneau and Sitka are visitor economies built on historic downtown frame buildings, working waterfronts and short-term rental demand through the cruise season.

EXPLORE OUR ALASKA LENDING LOCATIONS

Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.

WHAT DO ALASKA HARD MONEY LOANS COST

There is no separate Alaska rate sheet. Bridge opens at 9.00%, terms run one or two years, and a minimum 650 credit score applies. What moves the number is the property, the leverage and how the loan gets paid back.

Every Alaska file gets a full term sheet up front: rate, leverage, term, points and conditions, in writing, before third-party costs are incurred.

Loan Goat starting terms by program, from the published terms cards
PROGRAM	RATES	LEVERAGE UP TO	TERMS	LOAN AMOUNTS
BRIDGE LOAN	9.00% to 13.00%	LTV 75%	1 or 2 years	$150,000 to $25,000,000
FIX & FLIP	9.99% to 12.00%	LTV 85% of purchase, LTC 100% of rehab	6 to 18 months	$250,000 to $10,000,000
RENTAL DSCR	6.50% to 9.99% Non-QM	LTV 80%	5, 7, 30 and 40 year fixed	Sized to the property

Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.

WHY LOAN GOAT IN ALASKA

1.3K+ CLOSED LOANS SINCE 2022
$1.5B+ LOANS FUNDED ACROSS 46 STATES
5.0 GOOGLE RATING
150+ REVIEWS

Alaska banks are conservative by habit, and a rehab schedule built around a short building season does not survive a long underwriting queue. Loan Goat prices off the asset instead. Bridge from 9.00%, up to 75% LTV, and minimal documentation when the paperwork is thin. Having no prepayment penalty means a summer project can pay off in the fall without a fee for finishing early.

Nine programs cover the way property actually gets bought up here. Fix and flip for an Anchorage renovation, construction loans for a Mat-Su build, rental property DSCR loans for the buy-and-hold, commercial for a downtown Juneau building, blanket loans for a portfolio scattered across boroughs. Owner occupied and bank financing options exist too. One decision maker reads your file, and that person can be reached by telephone.

THE PROCESS

Complete your application
Submit required documentation
Sign your Letter of Intent
We process and close your loan in 5-7 days

LOAN PROGRAMS AVAILABLE IN ALASKA

Nine programs run in Alaska. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.

HOW WE LEND IN ALASKA

Nine programs cover the way property actually gets bought up here. Fix and flip for an Anchorage renovation, construction loans for a Mat-Su build, rental property DSCR loans for the buy-and-hold, commercial for a downtown Juneau building, blanket loans for a portfolio scattered across boroughs. Owner occupied and bank financing options exist too. One decision maker reads your file, and that person can be reached by telephone.

ALASKA HARD MONEY LOANS, ANSWERED

Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.

HARD MONEY LENDER ALASKA

EXPLORE OUR ALASKA LENDING LOCATIONS

WHAT DO ALASKA HARD MONEY LOANS COST

WHY LOAN GOAT IN ALASKA

ALASKA, FUNDED FROM SAN DIEGO.

LOAN PROGRAMS AVAILABLE IN ALASKA

HOW WE LEND IN ALASKA

ALASKA BORROWERS, IN THEIR WORDS

ALASKA HARD MONEY LOANS, ANSWERED

ALASKA, FUNDED FROM SAN DIEGO.

SUBMIT A LOAN REQUEST

HARD MONEY LENDER ALASKA

EXPLORE OUR ALASKA LENDING LOCATIONS

WHAT DO ALASKA HARD MONEY LOANS COST

WHY LOAN GOAT IN ALASKA

ALASKA, FUNDED FROM SAN DIEGO.

LOAN PROGRAMS AVAILABLE IN ALASKA

HOW WE LEND IN ALASKA

ALASKA BORROWERS, IN THEIR WORDS

ALASKA HARD MONEY LOANS, ANSWERED

01 Do you lend in Alaska?

02 Can you finance a short-term rental in Sitka or Juneau?

03 Will you lend in the Matanuska-Susitna Borough?

04 Do you finance rentals near the University of Alaska Fairbanks?

05 How fast can you actually fund?

06 Is there a prepayment penalty?

07 What rate should I expect on a hard money loan?

08 Do you check credit?

ALASKA, FUNDED FROM SAN DIEGO.

SUBMIT A LOAN REQUEST