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.

Compare Date with Date


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