Home Loan Rates

APR is accurate as of July 19, 2019

Conventional Rates

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TypeRateAPR *Monthly P&I **
30 year fixed3.750%3.832%$833.61
20 year fixed3.625%3.707%$820.89
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 Exempt2.875%3.019%$1232.25
Rural Property3.125%3.270%$1253.90
Taxable3.250%3.396%$1264.80
Taxable First - TIme Homebuyer3.125% 3.270%$1232.25
Nonconforming 13.500%3.647%$1286.79
Veterans Mortgage Program3.000%3.145%$1243.05

Alaska Housing 30 Year Fixed Rate

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TypeRateAPR *Monthly P&I **
1st Time Homebuyer Tax Exempt3.250%3.330%$783.37
Rural Property3.500%3.581%$808.28
Taxable3.750%3.832%$833.61
Taxable First - TIme Homebuyer3.625% 3.707%$820.89
Nonconforming 14.000%4.083%$859.35
Veterans Mortgage Program3.250%3.330%$783.37

* 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. Annual Percentage Rate is subject to change.

** 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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