Home Loan Rates

APR is accurate as of January 30, 2015

Conventional Rates

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TypeRateAPR *Monthly P&I **
30 Year Fixed3.500%3.581%$808.28
20 Year Fixed3.250%3.363%$1020.95
15 Year Fixed2.625%2.720%$1210.84

Alaska Housing 15 Year Fixed Rate

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TypeRateAPR *Monthly P&I **
1st Time Homebuyer Tax Exempt2.875%3.019%$1232.25
Rural Property2.875%3.019%$1232.25
Taxable3.000%3.145%$1243.05
Taxable First - TIme Homebuyer2.875%3.019%$1232.25
Nonconforming 13.250%3.396%$1264.80
Veterans Mortgage Program2.875%3.019%$1232.25

Alaska Housing 30 Year Fixed Rate

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TypeRateAPR *Monthly P&I **
1st Time Homebuyer Tax Exempt3.375%3.455%$795.77
Rural Property3.500%3.581%$808.28
Taxable3.625%3.707%$820.89
Taxable First - Time Homebuyer3.500%3.581%$808.28
Nonconforming 13.875%3.958%$846.43
Veterans Mortgage Program3.500%3.581%$808.28

* 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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