AHFC values its relationships with lenders. Those spotlighted have demonstrated a history of supporting Alaskan homebuyers with AHFC loans. If you have questions about our products, contact any of our approved lenders.

Joyce Cummings

Joyce Cummings Badge icon for Gold lender

First Bank Mortgage — Ketchikan, Alaska

She’s been helping her neighbors in Petersburg and Wrangell finance their housing dreams for more than 30 years. For those looking to build their own dream home, Joyce has the experience to walk them through the ins and outs of construction financing. Joyce states “I want my customers to feel comfortable with the entire mortgage process, and I’ll take the time to explain every step of the way."


Her customers range from the excited first-time homebuyers to seasoned home-buying professionals and Alaska Housing has programs to fit them all. Their competitive rates and low down payment options have literally opened the door for more homeowners in our communities.

Get in Touch

Joyce Cummings
Mortgage Originator
NMLS #424421

Direct: (907) 772-4277
Toll Free: (888) 851-5851
Email: joyce.cummings@firstbankak.com

First Bank Mortgage
2030 Sea Level Drive, Suite 200
Ketchikan, Alaska 99901
NMLS #424422

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