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Downsize your payment. Upsize your space.

Get the best of both worlds - the comfort of a longer fixed rate combined with a smaller payment than most 30-year mortgages.

Designed for homebuyers with a plan


Did you know the median amount of time that people stay in their home before they decide to sell is 13 years?1 A new job, a bigger family, retirement—there are all sorts of reasons you might want to move to a different home, well before you'll be finished with a traditional 30-year mortgage. If you're likely to move within 10-15 years—like so many other homeowners—a 15/15 ARM could be right up your alley.

This loan is also a good choice for people seeking a budget-friendly monthly payment for the time being, but are planning on a steady increase in income over the next few years. It could also make sense if you wanted to make extra payments on your mortgage—paying down your principal and building up equity faster.




The current interest rates for home loans are getting lower and lower, making the 15/15 ARM an especially attractive home loan option. Already have a home mortgage? Consider refinancing to take advantage of this buyer’s market—possibly lowering your monthly payment or helping you pay off your loan faster!

What does the 15/15 ARM do?

The 15/15 ARM is a unique, adjustable-rate mortgage that features a fixed interest rate for the first 15 years, followed by a one-time rate adjustment for the remainder of the loan. Its biggest benefit? The initial interest rate can be lower than what you get with a typical 30-year mortgage. That equals a more affordable monthly payment, and more disposable income or savings for you.

Other adjustable-rate mortgages typically adjust interest rates every year after the initial rate period. So, while there are other low interest rate mortgage options out there, few offer the comfort and stability of the 15/15 ARM.

Find your dream home with an Adjustable Rate Mortgage

Should I apply for the 15/15 ARM?

The 15/15 ARM is a great opportunity for a wide variety of homebuyers, but it pays to work out the details with a mortgage professional.

When you team up with Alaska USA Mortgage Company, you team up with in-house processors, underwriters, and closers that live, work, and play right in your neighborhood. Our home loan experts will take a comprehensive look at your finances, homeownership goals, and plans for the future to figure out what home loan works best for you.



For Placement ONly

4.8 star rating

4.8 of 5 Stars for Customer Satisfaction

We’re proud of that rating because of what it represents: more than 30 years of responsible lending and care for our clients.
Behind those stars are our people. Our home loan experts are more experienced on average than others—and, more importantly, they’ll keep you informed of the changes in the financial marketplace that might benefit you and give you options.

Source: Previous home borrowers surveyed since 2017.

Want to know more? We're happy to help.

Meet with a home loan expert to get all your questions answered.

Just a few of our achievements

Best Mortgage Company

Awarded for the fifth consecutive year by the readers of the Mat-Su Frontiersman.

Better Business Bureau

A+ Rating from the Better Business Bureau

Associate of the Year

from the Anchorage Home Builders Association

Mortgage Loan Originator Steven Kihn was awarded for his proven track record of hard work and dedicated service to the home building industry.

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