12110 Business Blvd #6-242 Eagle River, AK 99577
AK 907.982.8744, NM 575.208.6399

Real Estate Finance

Real Estate Finance

Real Estate Finance – Coming June 2020

Tammy Gray (NMLS 707966) is a mortgage lending professional with 30 years of experience.  Her expertise is working with borrowers who are self-employed/ business owners and high net worth individuals.

Working with one of the world’s largest financial institutions, Tammy can represent you in a mortgage transaction such as:


  • Portfolio Fixed Rate or ARM ($510,400- $5,000,000)
    • including One Time Close/ Construction to Perm for custom home construction
  • Super Jumbo Fixed Rate or ARM ($800,000- $5,000,000)
  • 100% financing for Physician/ Dentist/ Oral Surgeon/ Attorney; Fixed Rate or ARM (up to $1,750,000)
    • including One Time Close/ Construction to Perm for custom home construction
    • Borrower must be Resident or Practicing Physician, Dentist, Oral Surgeon or Attorney
  • Lot Loan for purchase or refinance of vacant residential land
  • Expanded Guidelines Portfolio Loan for customers meeting specific income or asset thresholds. Up to $6,000,000 max loan amount


  • Fannie Mae Home Ready
  • Fixed Rate Conforming Fannie Mae loans up to 97% LTV
  • ARM Conforming Fannie Mae loans up to 95% LTV


  • FHA 15/ 30 Fixed Rate
  • FHA Streamline Refinance (up to 100% LTV with no appraisal required)
  • VA 15/30 Fixed Rate
  • USDA


  • HOME Ownership Made Easier; up to 100% LTV with no mortgage insurance and up to $3,500 in Bank Assistance for closing costs
  • For Low to Moderate Income qualified borrowers, up to $2,500-3,500 towards closing costs on Home Ready, FHA and A loan programs for those who meet LMI parameters

….and SO MUCH more!

Contact Tammy to discuss your specific needs.

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Real Estate

Our Services

HR/ Payroll/ Employee Benefits Solutions

Our most specialized and tailored services specific to your business needs. We will reduce risk and administrative burden while maximizing your employee benefits package and reduce plan costs wherever possible.

Affordable Healthcare Plan Options

With a self- funded plan, the small business has greater flexibility to customize their healthcare plan. You can design the coverage you want rather than just picking from one or two prepared plans that the carrier offers.

Cyber Liability / Cyber Crime Protection

We will review your current plan for adequacy relative to operations and then provide the cyber security, insurance and education necessary to mitigate potential risk and exposure to threats.

Tools for Public Sector and Non Profit

One tool available to the public entities and non profits we work with is called a MRA (Medical Reimbursement Account). These are IRS-approved plans wherein an employer reimburses an employee, their spouses, and dependents for medical expenses.