Altrua Financial Mortgage Rates From
As of January 6, 2026
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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/rewardPayment: $18,94/mo
20/20 pre payment -
2 Year Fixed
This rate is short term, but the extra year offers security of a consistent payment4.19%
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 paymentPayment: $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%
PurchasesPayment: $18,94/mo
15/15 pre payment