Hoʻohou hope loa ma Kekemapa 1, 2020
Pono e ʻike i ka waihona kālā maikaʻi loa no nā hōʻaiʻē home VA ma Alaska? Eia kekahi o nā panakō maikaʻi loa a me nā mea hāʻawi kālā āu e hoʻohana ai e kiʻi i nā hōʻaiʻē home VA maikaʻi loa ma Alaska. Akā, ma mua o ka hele ʻana i mua, e hoʻomaopopo pono kākou i ka manaʻo o ka “VA loan” a pehea e hana ai.
Table of Contents
He aha ka hōʻaiʻē VA?
ʻO kahi hōʻaiʻē VA kahi hōʻaiʻē moraki i loaʻa ma lalo o kahi papahana i hoʻokumu ʻia e ka United States Department of Veterans Affairs (ma mua o ka Veterans Administration).
Ua hoʻokumu ʻia ka hōʻaiʻē home VA i ka makahiki 1944 e ke aupuni o ʻAmelika e kōkua i nā lālā lawelawe hoʻi e kūʻai i nā hale me ka ʻole o ka uku hoʻohaʻahaʻa a i ʻole ka hōʻaiʻē maikaʻi. Ua hōʻoia ʻia kēia papahana pōmaikaʻi mōʻaukala ma mua o 24 miliona mau hōʻaiʻē VA, e kōkua ana i ka poʻe kahiko, nā pūʻali koa ikaika a me ko lākou mau ʻohana e kūʻai a hoʻihoʻi hou i kahi home.
Hoʻonohonoho ka VA i nā kūlana kūpono, kuhikuhi i nā ʻōlelo o nā moraki i hāʻawi ʻia a hōʻoia i kahi ʻāpana o ka hōʻaiʻē, akā ʻaʻole ia e hāʻawi maoli i ke kālā. Hāʻawi ʻia nā hōʻaiʻē home VA e nā mea hāʻawi pilikino, e like me nā panakō a me nā hui moraki.
I kēia lā, ʻoi aku ka nui o ka moraki VA ma mua o ka wā. I nā makahiki i hala iho nei, ua hoʻopaʻa ʻia nā mea hōʻaiʻē ma ka ʻāina i kā lākou koi ʻaiʻē ma hope o ka hāʻule ʻana o ka mākeke hale, e hoʻolilo ana i ka hōʻaiʻē VA i mea ola no ka poʻe kahiko a me nā mea kūʻai hale pūʻali koa ikaika, he nui ka poʻe i paʻakikī i ka wā e kū ana i nā kūlana hōʻaiʻē koʻikoʻi a me ka uku uku. koi.
E like me nā hōʻaiʻē home āpau, hiki i nā moraki VA ke paʻakikī. Manaʻo mākou e hoʻohana ʻoe i kēia VA Loan Guide e aʻo e pili ana i nā hiʻohiʻona o kēia pono hōʻaiʻē home kūʻokoʻa.
Pehea ka hana ʻana o nā hōʻaiʻē VA?
Kōkua nā hōʻaiʻē VA i nā lālā lawelawe ikaika, nā mea kahiko, a me nā hoa noho ola e lilo i mau home. Hoʻouna ke kanaka i kahi palapala hōʻoia VA i ka Lender ma ke ʻano o ka noi hōʻaiʻē. ʻOiai pono e hoʻokō ʻia kekahi mau koi o ka mea nāna e hāʻawi aku, ma ka hapanui o nā hihia, ʻoi aku ka maʻalahi o ka loaʻa ʻana i nā hōʻaiʻē VA ma mua o ka loaʻa ʻana i nā hōʻaiʻē maʻamau.
Hāʻawi ka Veterans Administration i ka pōmaikaʻi hōʻaiʻē home a me nā papahana pili hale ʻē aʻe e kōkua i nā poʻe kahiko kūpono a i ʻole nā lālā o ko lākou ʻohana kūpono e kūʻai, kūkulu, hoʻoponopono, mālama a hoʻololi paha i kahi home no ka noho pilikino. Hāʻawi nā hōʻaiʻē VA i ka 100% kālā ma ka waiwai o kahi home. ʻAʻole pono ka poʻe e loaʻa ai ka hōʻaiʻē VA i mea kūʻai hale no ka manawa mua. Eia kekahi, hiki iā lākou ke hoʻohana hou i nā pono a hāʻawi i ka hōʻaiʻē i kekahi kanaka kūpono.
ʻOi aku ka lokomaikaʻi o nā ʻōlelo o nā hōʻaiʻē VA, ke hoʻohālikelike ʻia me nā moraki ʻē aʻe a me nā papahana hōʻaiʻē federal. Ma waena o nā pono:
- ʻAʻole koi ʻia ka uku hoʻohaʻahaʻa ke ʻole e koi ʻia e ka mea hāʻawi, a inā ʻoi aku ke kumu kūʻai kūʻai o ka hale ma mua o ka waiwai i hoʻokumu ʻia.
- ʻAʻohe koi ʻinikua moraki pilikino.
- Ua kaupalena ʻia nā kumukūʻai pani a hiki ke uku ʻia e ka mea kūʻai aku.
- ʻAʻole hiki i ka mea hōʻaiʻē ke uku i ka uku hoʻopaʻi inā e uku mua ka mea ʻaiʻē i ka hōʻaiʻē.
- Loaʻa ke kōkua mai ka VA e kōkua i ka poʻe ʻaiʻē e pale i ka paʻa.
E aʻo ana: Pehea e kiʻi ai i nā hōʻaiʻē FHA (pono, nā koi a me ke kaʻina noi)
Nā ʻano o nā hōʻaiʻē VA?
Hāʻawi ka VA i nā ʻano hōʻaiʻē moraki e kōkua i ka poʻe kahiko a me ko lākou ʻohana. Eia kahi papa inoa o kekahi mau papahana hōʻaiʻē VA kaulana.
1. VA Home kuai
ʻO nā hōʻaiʻē kūʻai home VA e kōkua i ka poʻe kahiko e kūʻai i home ma ka uku hoʻokūkū hoʻokūkū. ʻAʻole pono kēia mau hōʻaiʻē kūʻai i kahi uku hoʻohaʻahaʻa a i ʻole ʻinikua moraki pilikino.
2. Loaʻa i ke kālā hōʻaiʻē
ʻO nā hōʻaiʻē kālā hoʻihoʻi kālā e ʻae i ka poʻe paʻa moraki he poʻe kahiko e hōʻaiʻē kūʻē i ka home equity e uku ai i ka aie, kālā kula a hoʻomaikaʻi i ka home. Hāʻawi kēia koho refinancing i kahi moraki hou no ka nui o ka nui ma mua o ka memo i loaʻa a hoʻololi i ke kālā home i ke kālā.
3. Nā hōʻaiʻē hōʻemi uku ukupanee (IRRRLs)
ʻO nā hōʻaiʻē hōʻemi hōʻemi uku panee (IRRRLs), i ʻike ʻia ʻo streamline refinance loan, e kōkua i ka poʻe ʻaiʻē e loaʻa ka uku panee haʻahaʻa ma o ka hoʻihoʻi ʻana i kahi hōʻaiʻē VA i loaʻa. ʻO kēia kahi kaʻina VA-loan-to-VA-loan e hiki ai i nā mea hale ke hoʻihoʻi i kahi hōʻaiʻē paʻa ma kahi pānaʻi haʻahaʻa a i ʻole e hoʻololi i kahi moraki hiki ke hoʻololi ʻia (ARM) i kahi moraki paʻa.
4. Native American Direct Loan
Kōkua ka Native American Direct Loan Program i ka poʻe kahiko o ʻAmelika ʻAmelika e hoʻolilo kālā i ke kūʻai, kūkulu ʻana a i ʻole hoʻomaikaʻi ʻana i nā hale ma ka ʻāina hilinaʻi federal. Hoʻemi pū ʻia ka uku panee me kēia mau hōʻaiʻē.
5. Hāʻawi ʻia nā hale noho
ʻO nā haʻawina hale i hoʻololi ʻia e kōkua i ka poʻe kahiko me ke kino kīnā paʻa e pili ana i ka lawelawe e kūʻai a kūkulu paha i hale kūpono a hoʻololi paha i kahi home e kū nei no ko lākou kīnā.
ʻO nā koi kūpono e komo i nā hōʻaiʻē VA maikaʻi loa ma ʻĀlapa
No ke koho ʻana i kahi hōʻaiʻē VA, pono ʻoe a i ʻole kāu wahine e hoʻokō i nā koi lawelawe kumu i hoʻonohonoho ʻia e ka Department of Veterans Affairs (VA), loaʻa kahi palapala hōʻoia kūpono (COE) a hoʻokō i nā koi a ka mea hāʻawi kālā.
ʻO ka maʻamau, hiki iā ʻoe ke ʻae inā hāʻule ʻoe i kekahi o kēia mau ʻano ʻekolu:
- He lālā lawelawe hana ikaika ʻoe a i ʻole he kanaka koa i hoʻokuʻu ʻia me ka hanohano i loaʻa iā ia he 90 mau lā o ka lawelawe ikaika i ka wā kaua a i ʻole 181 mau lā o ka lawelawe ikaika i ka wā maluhia.
- Ua lawelawe ʻoe ma mua o ʻeono makahiki ma ka National Guard a i ʻole ka Reserve Reserve.
- ʻO ʻoe ka hoa kāne o kahi lālā lawelawe i make ma ka laina o ka hana.
Inā ʻoe e hele i ke kaʻina hana noi, pono ʻoe i kahi palapala hōʻoia o ka pono (COE) e hōʻike i nā mea hōʻaiʻē moraki ua kūpono ʻoe no kahi hōʻaiʻē VA. Hiki iā ʻoe ke noi no kahi COE ma o ka pūnaewele VA, ma ka leka uila, a ma o kāu mea hāʻawi.
Nā Koina ʻaiʻē a me ka loaʻa kālā
ʻAʻole hoʻonohonoho ka VA i kahi koi helu ʻaiʻē liʻiliʻi no ka ʻae ʻia ʻana o ka hōʻaiʻē VA, akā hana maʻamau nā mea hāʻawi. Ma muli o kēia, ʻokoʻa nā koi ʻaiʻai hōʻaiʻē VA e ka mea nāna e hāʻawi, me ka hapa nui o nā mea hāʻawi kālā e koi maʻamau i ka helu ʻaiʻē 660 liʻiliʻi loa.
Ma waho aʻe o ka helu ʻaiʻē, koi ka VA i nā mea hōʻaiʻē e mālama i kahi nui o ke kālā i koe i kēlā me kēia mahina ma hope o ka uku ʻia ʻana o nā lilo nui. ʻO ke koena ka mea e uhi ai i nā pono ʻohana maʻamau, e like me ka meaʻai, ka halihali a me ka mālama olakino, a ʻike ʻia ʻo ke koena loaʻa.
Ma ka hoʻokō ʻana i ke koena o ka loaʻa kālā, hoʻonui ka VA i ka manawa o kāna poʻe ʻaiʻē e loaʻa ka loaʻa kālā kūpono e hoʻokō ai i nā kuleana kālā āpau, a e hōʻoiaʻiʻo nō hoʻi i ka poʻe ʻaiʻē i kahi cushion i ka wā o kahi pilikia.
He aha nā pōmaikaʻi o ka hōʻaiʻē VA?
ʻO ka VA Loan Program ka papahana moraki ikaika loa ma ka mākeke no nā poʻe kahiko, nā lālā lawelawe, a me nā ʻohana koa. ʻO kēia mau hōʻaiʻē maʻalahi i kākoʻo ʻia e ke aupuni e hele mai me nā uku ukupanee kiʻekiʻe e wehe i nā puka o ka noho ʻana o ka home i nā poʻe kahiko e paʻakikī nei e loaʻa kālā.
Eia kekahi o nā hiʻohiʻona nui a me nā pono o kahi hōʻaiʻē VA:
1. Hiki iā ʻoe ke kūʻai i hale me ka uku ʻole.
ʻO nā hōʻaiʻē VA kekahi o nā hōʻaiʻē home zero-down hope loa i loaʻa i kēia lā. Ma 2018, ma kahi o 50% o nā hale i kūʻai ʻia me kahi hōʻaiʻē VA i kūʻai ʻia me ka uku ʻole.
2. ʻAʻohe palena i ka nui āu e hōʻaiʻē ai ma kahi hōʻaiʻē VA
ʻAʻohe palena i ka nui āu e hōʻaiʻē ai ma kahi hōʻaiʻē VA, akā aia ka palena i ka nui o ke kuleana a ka VA e lawe ai. No 2019, e hōʻoiaʻiʻo ka VA i ka nui o 25% (a hiki i $121,087) o kahi hōʻaiʻē home, e pili ana i kahi hōʻaiʻē kiʻekiʻe o $484,350. ʻAʻole e hōʻoia ʻia e ka VA kekahi mea ma waho aʻe. He kani weliweli? Hiki nō!
3. 'A'ole pono e uku no ka 'inikua moraki
ʻAʻole pono ʻoe e uku i ka Private Mortgage Insurance (PMI). No ka mea ua kākoʻo ʻia nā hōʻaiʻē e ke aupuni, hiki iā ʻoe ke honi iā PMI aloha! Hiki i ka PMI ke loaʻa mai ka 0.5% a i ka 2.25% o kāu hōʻaiʻē. No laila no kahi hōʻaiʻē $200,000, inā he 1% kāu helu PMI, ʻo ia ke ʻano he $166 hou i kāu uku moraki i kēlā me kēia mahina!
4. ʻAʻohe koi helu ʻaiʻē liʻiliʻi
'A'ohe koi 'ai'ē ha'aha'a. Akā ke ʻimi mau nei nā mea hāʻawi kālā i nā mea hōʻaiʻē me ka helu ʻaiʻē o 620 a ʻoi aku paha. ʻOiai ke manaʻoʻiʻo nei mākou ʻaʻole ʻai kāu helu ʻaiʻē maikaʻi loa—no ka mea, ʻaʻohe āu aie!
5. He kōkua no nā poʻe ʻaiʻē e hakakā nei e kū nei i kahi paʻa
Hāʻawi ka VA i ke kōkua no nā mea hōʻaiʻē e kū nei i kahi paʻa paʻa. Hiki i nā ʻenehana hōʻaiʻē o ke keʻena ke kūkākūkā me nā mea hōʻaiʻē ma ka inoa o nā mea hōʻaiʻē e pilikia ana i ka uku moraki.
6. ʻAʻohe uku uku mua
ʻAʻohe uku uku mua. 'O ia ho'i, 'a'ole 'oe e ho'opa'i 'ia ke uku mua 'oe i kāu hō'ai'ē.
7. ʻAʻole i kaupalena ʻia i nā mea kūʻai hale manawa mua
ʻAʻole pono ʻoe e lilo i mea kūʻai hale mua no ka loaʻa ʻana o kahi hōʻaiʻē VA. ʻOiai ʻoe e uku i kēlā me kēia manawa, hiki iā ʻoe ke hoʻohana hou i ka pōmaikaʻi.
8. ʻAʻole e hoʻopilikia mau ka banekorupa a me ka paʻa ʻana i kou kūlana.
Inā ua waiho ʻoe no ka banekorupa a i ʻole i loko o kahi paʻa, hiki iā ʻoe ke kūpono no kahi hōʻaiʻē VA ma hope o ʻelua mau makahiki i hala mai ka lā o ka banekorupa a i ʻole ka paʻa.
Nā palena hōʻaiʻē VA
Hiki i nā poʻe koa kahiko me kā lākou hōʻaiʻē VA piha ke hōʻaiʻē e like me ka makemake o ka mea hāʻawi kālā e hoʻonui, me ka ʻole o ka uku. Hoʻokomo wale ʻia nā palena hōʻaiʻē VA no ka poʻe kūʻai aku me ka liʻiliʻi o ko lākou kuleana piha, no ka mea he hoʻokahi a ʻoi aʻe paha kā lākou mau hōʻaiʻē VA ikaika a i ʻole no ka nalowale ʻana i kahi mea ma mua i ka paʻa.
He aha nā hōʻaiʻē home VA maikaʻi loa ma Alaska?
ʻO ka loans home VA maikaʻi loa ma Alaska ʻokoʻa ma muli o kāu mau pono, akā nui ka hāʻawi ʻana i nā makana hoʻokūkū no nā ʻano mea ʻaiʻē. ʻO ka mea maikaʻi loa e hāʻawi i kahi helu haʻahaʻa haʻahaʻa haʻahaʻa, nā hua'ōlelo lōʻihi, a liʻiliʻiʻole i nā uku. A ʻoiaʻiʻo, ʻo kāu pono pilikino a me kāu ʻike kālā e pili pū i ke ʻano o ka mea hāʻawi kālā āu e ʻike ai he kūpono. Inā noho ʻoe ma Alaska, USA a makemake ʻoe i kahi hōʻaiʻē VA, ʻo ia kekahi o nā mea hāʻawi maikaʻi loa hiki iā ʻoe ke hoʻohana.
Koho mākou iā lākou e pili ana i ka lōʻihi o nā hōʻaiʻē, nā uku o kēia manawa, nā helu hōʻaiʻē liʻiliʻi i ʻae ʻia e nā mea hāʻawi, ke kaʻina noi, nā hiʻohiʻona autopay, a me ka inoa ʻoihana no ka lawelawe mea kūʻai aku.
1. ʻO Veterans United: ʻOi loa
Ua lanakila ʻo Veterans United i ka maikaʻi loa no ka uku hōʻaiʻē VA no ka mea ʻoi aku kēia mea hāʻawi i nā hōʻaiʻē VA, ʻo ka poʻe kahiko kā lākou mea kūʻai mua, a he nui nā koho papahana hōʻaiʻē.
2. PenFed Credit Union: ʻOi aku ka maikaʻi o 30-makahiki i hoʻopaʻa ʻia
Ua loaʻa i ka PenFed Credit Union ke kūlana kiʻekiʻe no ka 30-makahiki maikaʻi loa i hoʻopaʻa ʻia no ka mea ʻo 2.375% kāna helu i kēia manawa me ka ʻole o nā helu, ʻaʻohe uku hoʻolimalima, hāʻawi i ka ʻike moʻokāki 24/7 ma ka pūnaewele, loaʻa nā uku no nā lālā, a lawelawe i nā lālā ma nā wahi honua.
3. Na Navy Federal Credit Union: ʻOi aku ka maikaʻi o 15-makahiki i hoʻopaʻa ʻia
Loaʻa i ka Navy Federal Credit Union (NFCU) kā mākou papahana hōʻaiʻē VA paʻa 15 makahiki maikaʻi loa no ka mea ʻo 2.375% wale nō ka helu o kēia manawa, ma waena o nā mea haʻahaʻa loa.
4. USAA: ʻOi loa ka hōʻaiʻē Jumbo
Ua hāʻawi mākou i ka USAA i ka inoa ʻo Best for VA Jumbo Loans no ka mea hiki iā ʻoe ke hōʻaiʻē a hiki i $ 3 miliona, ʻaʻohe ʻinikua moraki pilikino, a hiki iā ʻoe ke hoʻolilo i ka uku kālā VA.
5. LendingTree: ʻO ka hōʻaiʻē ARM maikaʻi loa
ʻO LendingTree ka mea maikaʻi loa no nā hōʻaiʻē VA adjustable-rate moraki (ARM) no ka mea e hāʻawi iā ʻoe i nā koho hou aʻe e hoʻohālikelike i nā uku a me nā huaʻōlelo ma waena o nā mea hāʻawi.
6. Hoʻopiʻi kālā: ʻOi aku ka maikaʻi o nā mea kūʻai aku
ʻAʻole ʻo Quicken Loans wale nō ka mea hōʻaiʻē moraki nui loa ma ka ʻāina, ʻo ia hoʻi ka lua o ka hoʻokumu ʻana i nā hōʻaiʻē VA ma ka nui. ʻIke ʻia no kāna lawelawe mea kūʻai aku, hāʻawi ʻo Quicken i kahi kaʻina noi noi maʻalahi hiki ke hoʻomaka ma ka pūnaewele ma o kāna kahua pūnaewele Rocket Mortgage a i ʻole ma ke kelepona.
Hiki iā ʻoe ke noi no kahi hōʻaiʻē VA no ka makahiki 15, 25, a i ʻole 30 makahiki no ke kūʻai ʻana i hale a i ʻole e hoʻihoʻi hou i kahi moraki VA. Hiki iā Quicken ke kōkua i ka hōʻoia ʻana i ka pono, ke komo ʻana i nā moʻolelo hana, a me ka loaʻa ʻana o kāu COE. E ʻae pū ʻo Quicken i nā hōʻaiʻē VA me kekahi o nā DTI kiʻekiʻe loa i hiki i kahi mea hāʻawi kālā ke koi (60%).
Ke Kaʻina Hana Noi ʻAiʻai Home
ʻAʻole pono nā poʻe koa a me nā lālā lawelawe e ʻike inā kūpono lākou i kahi hōʻaiʻē VA e hoʻāʻo a hoʻomaka i ke kaʻina hana. E loaʻa iā ʻoe kahi māka maikaʻi i kou hiki ke hoʻopaʻa i kahi hōʻaiʻē VA ma ka hana mua - ka ʻae ʻana i ka hōʻaiʻē.
ʻO ke kaʻina hana hōʻaiʻē VA he 30 a 45 mau lā ke hoʻopaʻa ʻia ʻoe ma kahi home, ʻoiai ʻokoʻa ke kūlana o kēlā me kēia mea kūʻai. ʻO ka noi ʻana i kahi hōʻaiʻē VA ʻaʻole ia e koi iā ʻoe ma kekahi ʻano i kahi mea hāʻawi a i ʻole e neʻe i mua me ke kaʻina kūʻai home.
Eia ka nānā ʻana i nā ʻanuʻu kumu ʻehā no ka noi ʻana i kahi hōʻaiʻē home VA:
- E hoʻomaʻamaʻa iā ʻoe iho me nā koi ʻokoʻa o ka hōʻaiʻē VA ākea ma luna
- E hoʻokaʻaʻike i kahi mea hāʻawi kālā i ʻae ʻia e VA e like me Veterans United Home Loans a hoʻomaka i kāu noi VA Loan
- E kiʻi i kāu palapala hōʻoia ma o kāu mea hāʻawi a i ʻole ma kāu iho
- E hoʻopau i kāu noi hōʻaiʻē a hāʻawi i nā pepa e pono ai i kāu mea hāʻawi, me nā W-2, nā ʻauhau ʻauhau a me nā ʻike kālā hou aʻe.
E A'O HOI: Pehea e kiʻi ai i nā hōʻaiʻē SBA (kupono, koi a me ke kaʻina noi)
Pehea e koho ai i nā hōʻaiʻē home VA maikaʻi loa ma Alaska?
Ke mākaukau ʻoe e hana i nā ʻanuʻu mua loa i ka hoʻohana ʻana i kāu mau pōmaikaʻi hōʻaiʻē home VA, e loiloi i kou kūpono a loaʻa i ka hōʻoia mua, pono ʻoe i ke kōkua o kahi mea hāʻawi kālā i ʻāpono ʻia e VA.
ʻOi aku ka maʻalahi o ka loaʻa ʻana o ka nui o ka moraki ke hele mai ʻoe i ka papaʻaina me ka nui o ka hōʻaiʻē a me ka nui o kāu kālā e uku ai no kahi home hou. ʻAʻole pili wale kāu helu ʻaiʻē i kou hiki ke hoʻokō, akā i kou hiki ke hoʻohana i nā uku ukupanee maikaʻi loa i loaʻa.
Inā ʻaʻole ʻoe maopopo i kou kūlana e pili ana i nā helu hōʻaiʻē a i ʻole lākiō ʻaiʻē i ka loaʻa kālā, ʻo ka hoʻomaʻamaʻa mua ʻana me kahi mea hāʻawi liʻiliʻi e kōkua iā ʻoe e hoʻoholo i ke ala maikaʻi loa e hoʻomaikaʻi ai. Hiki i kekahi mau mea hāʻawi kālā ke hāʻawi i ka hoʻonaʻauao hōʻaiʻē, e ʻae iā ʻoe e hoʻomau i ka hana no ka loaʻa ʻana o ka home me ka hoʻomaikaʻi ʻana i ka hōʻaiʻē a i ʻole ka uku ʻana i ka aie.
E hoʻomanaʻo e hana i kahi papa inoa o kāu mau mea nui, ʻo ia hoʻi ka uku, ka uku, ka ʻike VA, a me ka ʻoluʻolu o ka mea kūʻai aku e pili ana i nā mea āu e manaʻo nui ai ke kūʻai ʻana i home. Ke hoʻohālikelike nei ʻoe i nā mea hāʻawi kālā, e kōkua kāu papa inoa iā ʻoe e koho i ka mea i kūpono i kāu mau pono kikoʻī.
Manaʻo mākou e kōkua kēia ʻike iā ʻoe e ʻike i nā hōʻaiʻē home VA maikaʻi loa ma Alaska.