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Altrua Financial Mortgage Rates From

As of January 6, 2026

Term
Best Rates
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  • 1 Year Fixed

    A good short term strategy IF rates decline substantially in 2025, or if looking to sell in 1 year. Variable may lead to more savings.

    5.49%

    Comes with higher risk/reward

    Payment: $18,94/mo

    20/20 pre payment
  • 2 Year Fixed

    This rate is short term, but the extra year offers security of a consistent payment

    4.19%

    25 YR AM max.

    Payment: $18,94/mo

    15/15 pre payment
  • 3 Year Fixed

    Considered the 'sweet spot' for consistent payments medium term, and renewal sooner than 5 years.

    3.84%

    Balanced risk/reward.

    Payment: $18,94/mo

    20/20 pre payment
  • 4 Year Fixed

    A good rate if longer payment consistency is desired, but renews shy of a 5 year term.

    4.09%

    Payment: $18,94/mo

    15/15 pre payment
  • 5 Year Fixed

    As 5 YR Fix rates dip under 4% they are the recommended fixed rate for upside protection.

    3.79%

    20% pre payment

    Payment: $18,94/mo

    20/20 pre payment
  • 10 Year Fixed

    For those seeking truly long term payment consistency.

    4.69%

    Payment: $18,94/mo

    20/20 pre payment
  • 5 Year Variable

    The rate decrease cycle is in full swing and it is likely variable will be lower than todays fixed rates in mid 2025.

    3.75%

    Purchases

    Payment: $18,94/mo

    15/15 pre payment