Mortgage Rates in Point Lay, AlaskaCurrent Point Lay, Alaska fixed rate mortgages for a 30-Year Fixed mortgage are at 7.000% with 0.000% point(s), 30-Year Fixed mortgage rates in Point Lay, Alaska are at 6.375% with 0.000% point(s), 10-Year Fixed mortgage rates in Point Lay, Alaska are at 5.500% with 0.000% point(s). Point Lay, Alaska Mortgage Rates:Search and compare mortgage rates and refinance rates in Point Lay, AK. Our rate table has a list of Point Lay, Alaska mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. Compare mortgage and refinance rates in Point Lay, Alaska. Save money by using our free tool to find customized mortgage and refinance rates for Point Lay, Alaska (AK). Use our mortgage calculator to check how much monthly payments will be on your home loan. When you start your search for current mortgage rates in Point Lay, Alaska you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Point Lay, Alaska 5/1 ARM (Jumbo) mortgage rates are at 4.990% with 0.000% point(s), Mortgage rates on adjustable loans include 5/1 ARM with 0.000% point(s) in Point Lay, Alaska at 5.500%, Mortgage rates on adjustable loans include 5/1 ARM with 0.000% point(s) in Point Lay, Alaska at 5.750%. Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.71%
5/6 ARM Jumbo
6.74%
Types of rates available in Point Lay, AK include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Point Lay, AK listed below. Mortgage Rates in Point Lay, AK July 9, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Point Lay, Alaska Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in Point Lay, Alaska? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. Point Lay, Alaska Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in Point Lay, Alaska? You can list your company, contact information, website an logo here. Contact us to find out how. Point Lay, AK Conforming Mortgage RatesConforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Alaska. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities. Point Lay, AK mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Point Lay, AK mortgage loans that have been made. As a result, Point Lay, AK mortgage rates today are lower than jumbo interest rates in $regionName. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years. Point Lay, AK Super Conforming Home Loan RatesSuper conforming mortgages in Point Lay, AK are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities. Point Lay, AK Jumbo Loan Interest RatesPoint Lay, AK jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Point Lay, AK are usually 0.75 basis points higher than conforming mortgage rates in Point Lay, AK because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. Point Lay, AK Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in Point Lay, AK. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees. Point Lay, AK Adjustable Interest RatesPoint Lay, AK adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years. Point Lay, AK Interest Only Home Mortgage RatesPoint Lay, AK interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom. Point Lay, AK FHA Mortgage Mortgage RatesBorrowers in Point Lay, AK must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Point Lay, AK are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan. Point Lay, AK Rates & ResourcesPoint Lay, Alaska Savings RatesPoint Lay, Alaska CD Rates Point Lay, Alaska Bank Branches Point Lay, Alaska Credit Union Branches Point Lay, AK Mortgage ProductsPoint Lay, Alaska Conforming Mortgage RatesPoint Lay, Alaska Jumbo Mortgage Rates Point Lay, Alaska Conforming Adjustable Mortgage Rates Point Lay, Alaska Jumbo Adjustable Mortgage Rates Other Mortgage Rate Deals
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