As of November 2, 2023

As of November 2, 2023

Lender
5 YR Fixed
3 YR Fixed
5 YR Variable
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  • Altrua Financial Mortgage Rates

    Altrua scans its database of 100+ for the best rates, then negotiates these rates even lower!

    3.69%

    20% pre payment

    Payment: $18,94/mo

    3.79%

    Balanced risk/reward.

    Payment: $18,94/mo

    3.95%

    Purchases

    Payment: $18,94/mo

  • Test

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    Payment: -

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    Payment: -

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    Payment: -

Altrua Financial Mortgage Rates

As of May 1, 2025

Altrua Financial Mortgage Rates From

As of May 1, 2025

Term
Best Rates
Other Details
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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.

    4.69%

    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

    4.09%

    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.

    3.79%

    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.

    4.14%

    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.

    3.69%

    20% pre payment

    Payment: $18,94/mo

    20/20 pre payment

  • 10 Year Fixed

    For those seeking truly long term payment consistency.

    5%

    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.

    3.95%

    Purchases

    Payment: $18,94/mo

    15/15 pre payment

Private: Test years

As of November 30, 2023

As of November 30, 2023

3 yr Fixed

Lender
Insured

Insured mortgage rates are typically for less than 20% down payment and are insured against default through the CMHC or comparable default insurer. This involves a one time insurance premium built into the mortgage principal. Maximums: 25 YR amortization, $999,999 purchase price. No refinances.
Insurable

Insurable mortgages follow similar criteria as insured mortgages, but because these are 20%+ down payment/equity, there is no default insurance premium or additional cost built into the mortgage. Available for purchase and renewal, but not refinance/ equity takeout.
Uninsured

Uninsured mortgages are available for purchases of $1,000,000+ and refinance/equity take out transactions. Additional flexibility of uninsured mortgages includes optional 30 year amortization and more flexible borrowing limits.
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  • MCAP

    4.39%

    Payment: $18,94/mo

    4.64%

    Payment: $18,94/mo

    4.64%

    Payment: $18,94/mo

  • Altrua Financial Mortgage Rates

    Altrua scans its database of 100+ for the best rates, then negotiates these rates even lower!

    3.79%

    Balanced risk/reward.

    Payment: $18,94/mo

    3.79%

    More balanced risk/reward.

    Payment: $18,94/mo

    3.99%

    60 day rate hold, 10% pre payment on this promotion

    Payment: $18,94/mo