Home Loan Rates

APR is accurate as of October 31, 2014

Conventional Rates

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TypeRateAPR *Monthly P&I **
30 Year Fixed4.000%4.083%$859.35
20 Year Fixed4.125%4.241%$1102.66
15 Year Fixed3.125%3.214%$1253.90

Alaska Housing 15 Year Fixed Rate

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TypeRateAPR *Monthly P&I **
1st Time Homebuyer Tax Exempt3.125%3.270%1253.90
Rural Property3.375%3.521%1275.77
Taxable3.500%3.647%1286.79
Taxable First - TIme Homebuyer3.375%3.521%$1275.77
Nonconforming 13.750%3.898%$1309.00
Veterans Mortgage Program3.250%3.396%$1264.80

Alaska Housing 30 Year Fixed Rate

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TypeRateAPR *Monthly P&I **
1st Time Homebuyer Tax Exempt3.750%3.832%$833.61
Rural Property4.000%4.083%$859.35
Taxable4.250%4.335%$885.49
Taxable First - Time Homebuyer4.125%4.209%$872.37
Nonconforming 14.500%4.586%$912.03
Veterans Mortgage Program3.875%3.958%$846.43

* Annual Percentage Rate (APR) assumes a 20% down payment on a loan amount of $180,000 at the stated term, in years, with a 1% origination fee. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

** Monthly P&I represents the monthly principal and interest payment based on loan amount of $180,000 at the stated rate and term.

Rate Reduction Programs

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Interest rate reduction for low income borrowersUp to 1% off above rates for qualified borrowers.
Energy efficiency rate reductionUp to .5% off above rates for qualified borrowers.
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