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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.
The Alaska Housing Closing Cost Assistance Program is currently offered through Academy Mortgage, First National Bank Alaska, Guild Mortgage, and Mt. McKinley Bank.
Single-Family Rates
Rates valid from 02/3/2023 to 02/3/2023
| Loan Programs | 30 Year | 15 Year |
|---|---|---|
| First Home Limited & Veterans First Home Limited 2 | 5.500 | 5.000 |
| Veterans Mortgage Program 2 | 5.625 | 5.125 |
| First Home 3 | 5.875 | 5.375 |
| My Home 3 | 6.000 | 5.500 |
| Rural Owner Occupied 1 3 | 5.750 | 5.250 |
| Rural Non-Owner Occupied 1 | 6.000 | 5.500 |
| Uniquely Alaskan 3 | 6.250 | 5.750 |
| Military Facility Zone | 6.875 | 6.500 |
| Closing Cost Assistance Program | N/A | N/A |
1 Rural Owner Occupied and Rural Non-Owner Occupied Loan Programs - Interest Rates are applied to the first $250,000 only. The balance is at the Rural Rate plus 1%.
2 New purchases under the First Home Limited, Veterans First Home Limited, and Veterans Mortgage Programs will receive these lower rates. Streamline Refinances under any of these programs will receive rate +0.25%.
3 Streamline Refinances under the First Home, My Home, Rural Owner Occupied, and Uniquely Alaskan Programs will receive the Rate +0.125%.
Multifamily Rates
For the week of January 30, 2023
| Multifamily Programs | Loan Amount | 30 Year | 15 Year |
|---|---|---|---|
| Taxable Loan | Over $1,000,000 | 7.000 | 6.750 |
| Taxable Loan | $500,001 to 1,000,000 | 7.125 | 6.875 |
| Taxable Loan | Up to $500,000 | 7.250 | 7.000 |
| Federally Insured | Over $1,000,000 | 6.500 | 6.250 |
| Federally Insured | $500,000 to 1,000,000 | 6.625 | 6.375 |
| Federally Insured | Up to $500,000 | 6.750 | 6.500 |
| Rural Loan 4 | Up to $250,000 | 6.250 | 6.000 |
| Loan Amount | 10 Year | 7 Year | |
|---|---|---|---|
| Balloon Loan 5 | Over $1,000,000 | 6.750 | 6.625 |
| Balloon Loan 5 | $500,000 to 1,000,000 | 6.875 | 6.750 |
| Balloon Loan 5 | Up to $500,000 | 7.000 | 6.875 |
4 Rural interest rate applies only to the initial $250,000 of the mortgage loan. Remaining loan balances are at the Taxable interest rate.
5 Balloon programs feature fixed terms of 7 or 10 years with 30-year amortizations.
Additional rate reductions are available for low- to moderate-income borrowers and for properties meeting energy efficiency criteria. It is the Seller's responsibility to apply the appropriate interest rate based on loan amount.
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 | Mil Zone | First Home |
|---|---|---|---|---|---|---|---|---|---|---|
| 2/3/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 2/2/2023 | 30 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.875 | 6.125 | 6.750 | 5.750 |
| 15 Year | N/A | 5.125 | 5.375 | 4.875 | 5.000 | 5.375 | 5.625 | 6.375 | 5.250 | |
| 2/1/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/31/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/30/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/27/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.375 | 5.375 | |
| 1/26/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.375 | 5.375 | |
| 1/25/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.375 | 5.375 | |
| 1/24/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.375 | 5.375 | |
| 1/23/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.375 | 5.375 | |
| 1/20/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 7.000 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/19/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 7.000 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/18/2023 | 30 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 |
| 15 Year | N/A | 5.250 | 5.500 | 5.000 | 5.125 | 5.500 | 5.750 | 6.500 | 5.375 | |
| 1/17/2023 | 30 Year | N/A | 5.875 | 6.125 | 5.625 | 5.750 | 6.125 | 6.375 | 7.000 | 6.000 |
| 15 Year | N/A | 5.375 | 5.625 | 5.125 | 5.250 | 5.625 | 5.875 | 6.625 | 5.500 | |
| 1/13/2023 | 30 Year | N/A | 5.875 | 6.125 | 5.625 | 5.750 | 6.125 | 6.375 | 7.000 | 6.000 |
| 15 Year | N/A | 5.375 | 5.625 | 5.125 | 5.250 | 5.625 | 5.875 | 6.625 | 5.500 | |
| 1/12/2023 | 30 Year | N/A | 6.000 | 6.250 | 5.750 | 5.875 | 6.250 | 6.500 | 7.125 | 6.125 |
| 15 Year | N/A | 5.500 | 5.750 | 5.250 | 5.375 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 1/11/2023 | 30 Year | N/A | 6.000 | 6.250 | 5.750 | 5.875 | 6.250 | 6.500 | 7.125 | 6.125 |
| 15 Year | N/A | 5.500 | 5.750 | 5.250 | 5.375 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 1/10/2023 | 30 Year | N/A | 6.000 | 6.250 | 5.750 | 5.875 | 6.250 | 6.500 | 7.125 | 6.125 |
| 15 Year | N/A | 5.500 | 5.750 | 5.250 | 5.375 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 1/9/2023 | 30 Year | N/A | 6.125 | 6.375 | 5.875 | 6.000 | 6.250 | 6.500 | 7.125 | 6.125 |
| 15 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 1/6/2023 | 30 Year | N/A | 6.125 | 6.375 | 5.875 | 6.000 | 6.375 | 6.625 | 7.125 | 6.250 |
| 15 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.875 | 6.125 | 6.750 | 5.750 | |
| 1/5/2023 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 1/4/2023 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 1/3/2023 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 12/30/2022 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 12/29/2022 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 12/28/2022 | 30 Year | N/A | 6.250 | 6.500 | 6.000 | 6.125 | 6.500 | 6.750 | 7.250 | 6.375 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 6.000 | 6.250 | 6.875 | 5.875 | |
| 12/27/2022 | 30 Year | N/A | 6.125 | 6.375 | 5.875 | 6.000 | 6.375 | 6.625 | 7.250 | 6.250 |
| 15 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.875 | 6.125 | 6.750 | 5.750 | |
| 12/23/2022 | 30 Year | N/A | 6.125 | 6.375 | 5.875 | 6.000 | 6.250 | 6.500 | 7.250 | 6.125 |
| 15 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 12/22/2022 | 30 Year | N/A | 6.000 | 6.250 | 5.750 | 5.875 | 6.250 | 6.500 | 7.250 | 6.125 |
| 15 Year | N/A | 5.625 | 5.875 | 5.375 | 5.500 | 5.750 | 6.000 | 6.750 | 5.625 | |
| 12/21/2022 | 30 Year | N/A | 6.125 | 6.375 | 5.875 | 6.000 | 6.375 | 6.625 | 7.250 | 6.250 |
| 15 Year | N/A | 5.750 | 6.000 | 5.500 | 5.625 | 5.875 | 6.125 | 6.750 | 5.750 |