First National Bank Alaska: shopping for a home loan is made easy at this Alaskan-owned bank.

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Looking for a quick, streamlined approach to financing your new home or improvements for your cur rent home? First National Bank Alaska has the solutions.

"First National can design a mortgage program to fit your personal situation using the wide array of mortgage loan products we offer," says Sue Benedetti, Vice President and head of the Home Loan Center at First National.

These products make applying for a loan a simpler process than what it was 30 years ago. People no longer need to "fit into a box" of rigid requirements to be approved. First National has a genuine interest in matching each customer with the best program available.

"People shouldn't self-select themselves out of the process if they think they won't qualify for a mortgage," Benedetti said. "It's as simple as coming in and talking to us."

Local experts are available at First National branches in Anchorage, Eagle River, Wasilla, Fairbanks, Juneau, Kenai, Homer and Sitka. They can introduce Alaskans to a range of options, including:

MORTGAGE LOANS

Loans for buying, building and improving homes. These loans also allow customers to cash out equity in their homes.

OWNER-BUILDER LOANS

First National is the only bank in Alaska that encourages owner-builders. First National offers one-stop shopping for owner-builders; they can be approved for both the construction and the mortgage loan at one place. Consolidating these services at one bank maximizes the efficiency and value of the process.

COMMUNITY SOLUTIONS

This program offers special mortgage loans for those who teach, protect and care--elementary and secondary educators, fire fighters, police officers and health care professionals. The borrower's contribution can be as low as $500 or 1 percent of the loan amount.

DOWN PAYMENT ASSISTANCE/ LESS-THAN-PERFECT CREDIT

First National can link customers with government and nonprofit programs for those who need financial assistance for down payment or closing costs, The bank also has programs for those who...