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Current Rates
Alaska Housing sends out Daily Interest Rate email updates every day. If you'd like to receive those, just provide your email address! We will never share your contact information, and unsubscribe options are included with every email.
Interest Rates are For Lenders Only
AHFC interest rates are posted daily Monday to Friday, excluding state holidays. Rates are valid each business day up to until 10pm, after which they should not be relied upon for reservation until new rates are posted. Homebuyers interested in applying for financing should contact an AHFC approved lender for loan qualification and for Annual Percentage Rate (“APR”) information. AHFC does not offer direct lending on single family loan programs. This is not an advertisement for credit as defined in Regulation Z, and these rates are posted for informational purposes only.
Single-Family Rates
Rates valid from 10/20/2025 to 10/20/2025
| Loan Programs | 30 Year | 15 Year |
|---|---|---|
| First Home Limited & Veterans First Home Limited 1 2 | 5.500 | 5.125 |
| Veterans Mortgage Program 1 2 | 5.625 | 5.125 |
| First Home 1 3 | 6.000 | 5.375 |
| My Home 1 3 4 | 6.250 | 5.500 |
| Rural Owner Occupied 1 3 4 5 | 5.750 | 5.250 |
| Rural Non-Owner Occupied 3 5 | 6.000 | 5.500 |
| Uniquely Alaskan 3 | 6.500 | 5.750 |
Multifamily Rates
For the week of October 20, 2025
| Multifamily Programs | Loan Amount | 30 Year | 15 Year |
|---|---|---|---|
| Commercial Loan | Over $1,000,000 | 7.375 | 6.750 |
| Commercial Loan | $500,001 to 1,000,000 | 7.500 | 6.875 |
| Commercial Loan | Up to $500,000 | 7.625 | 7.000 |
| Rural Commercial Loan 5 | Up to $250,000 | 6.625 | 6.000 |
| Loan Amount | 10 Year | |
|---|---|---|
| Balloon Loan 6 | Over $1,000,000 | 7.000 |
| Balloon Loan 6 | $500,000 to 1,000,000 | 7.125 |
| Balloon Loan 6 | Up to $500,000 | 7.250 |
1 New purchases under these programs with the 97% LTV option will receive their program rate plus 0.250%.
2 Streamline refinances under these programs will receive their program rate plus 0.250%.
3 Streamline refinances under these programs will receive their program rate plus 0.125%.
4 Second Mortgages under these programs will receive their program rate plus 0.500%.
5 Rates for these programs are applied to the first $250,000 only with the remaining balance at their program rate plus 1.000%.
6 Balloon program features a fixed term of 10 years with 30-year amortizations.
Additional rate reductions are available for low to moderate income borrowers and for properties meeting certain energy efficiency criteria.
30-Day Rates History
We send out an email message every business day with that day’s rates. If you are interested to see how rates have changed over time, the last 30 days are listed in the table below.
| Period | Term | CCAP | Rural | Rural Non-Own |
1rst Hm Lim & Vet |
VMP | My Home | Uniquely AK | First Home |
|---|---|---|---|---|---|---|---|---|---|
| 10/20/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/16/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/15/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/14/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/13/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/10/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/9/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/8/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/7/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/6/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/3/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/2/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 10/1/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/30/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/29/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/26/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/25/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/24/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/23/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/22/2025 | 30 Year | 5.750 | 6.000 | 5.500 | 5.625 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/19/2025 | 30 Year | 5.750 | 6.000 | 5.375 | 5.500 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/18/2025 | 30 Year | 5.750 | 6.000 | 5.375 | 5.500 | 6.250 | 6.500 | 6.000 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/17/2025 | 30 Year | 5.875 | 6.125 | 5.500 | 5.625 | 6.375 | 6.625 | 6.125 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/16/2025 | 30 Year | 5.875 | 6.125 | 5.500 | 5.625 | 6.375 | 6.625 | 6.125 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/15/2025 | 30 Year | 5.875 | 6.125 | 5.500 | 5.625 | 6.375 | 6.625 | 6.125 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/12/2025 | 30 Year | 5.875 | 6.125 | 5.500 | 5.625 | 6.375 | 6.625 | 6.125 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/11/2025 | 30 Year | 5.875 | 6.125 | 5.500 | 5.625 | 6.375 | 6.625 | 6.125 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/10/2025 | 30 Year | 6.000 | 6.250 | 5.500 | 5.625 | 6.375 | 6.625 | 6.250 | |
| 15 Year | 5.125 | 5.375 | 5.000 | 5.000 | 5.375 | 5.625 | 5.250 | ||
| 9/9/2025 | 30 Year | 5.875 | 6.125 | 5.625 | 5.750 | 6.375 | 6.625 | 6.250 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 | ||
| 9/8/2025 | 30 Year | 5.875 | 6.125 | 5.625 | 5.750 | 6.375 | 6.625 | 6.250 | |
| 15 Year | 5.250 | 5.500 | 5.125 | 5.125 | 5.500 | 5.750 | 5.375 |