Based on current market conditions our starting rate today is X% for the X year mortgage. This assumes a specific loan profile and purpose and your actual rate could be higher or lower depending on the specifics of your individual situation. To get an exact rate quote you will need to speak to one of our mortgage loan originators and/or apply online.
La Crosse Area
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
30 Yr (1 pt) (Conforming)
7.025%
1.000%
7.171%
30 Yr Fixed (Conforming)
7.375%
0.000%
7.421%
20 Yr (1 pt) (Conforming)
6.600%
1.000%
6.786%
20 Yr Fixed (Conforming)
7.050%
0.000%
7.108%
15 Yr (1 pt) (Conforming)
6.350%
1.000%
6.581%
15 Yr Fixed (Conforming)
6.900%
0.000%
6.972%
10 Yr (1 pt) (Conforming)
6.100%
1.000%
6.425%
10 Yr Fixed (Conforming)
6.550%
0.000%
6.651%
30 yr VA
6.625%
0.000%
6.943%
30 yr FHA
6.625%
0.000%
7.841%
Winona Area
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
30 Yr (1 pt) (Conforming)
6.775%
1.000%
6.994%
30 Yr Fixed (Conforming)
7.025%
0.000%
7.145%
20 Yr (1 pt) (Conforming)
6.350%
1.000%
6.632%
20 Yr Fixed (Conforming)
6.600%
0.000%
6.754%
15 Yr (1 pt) (Conforming)
5.950%
1.000%
6.299%
15 Yr Fixed (Conforming)
6.350%
0.000%
6.541%
10 Yr (1 pt) (Conforming)
5.750%
1.000%
6.242%
10 Yr Fixed (Conforming)
6.100%
0.000%
6.368%
30 yr VA
6.625%
0.000%
6.943%
30 yr FHA
6.625%
0.000%
7.841%
Rochester Area
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
30 Yr (1 pt) (Conforming)
6.775%
1.000%
6.994%
30 Yr Fixed (Conforming)
7.025%
0.000%
7.145%
20 Yr (1 pt) (Conforming)
6.350%
1.000%
6.632%
20 Yr Fixed (Conforming)
6.600%
0.000%
6.754%
15 Yr (1 pt) (Conforming)
5.950%
1.000%
6.299%
15 Yr Fixed (Conforming)
6.350%
0.000%
6.541%
10 Yr (1 pt) (Conforming)
5.750%
1.000%
6.242%
10 Yr Fixed (Conforming)
6.100%
0.000%
6.368%
30 yr VA
6.625%
0.000%
6.943%
30 yr FHA
6.625%
0.000%
7.841%
Tyler Area
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
Clarksville Area
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
National
Rates effective
04/26/2024
Program Name
Rate
Points
APR*
Construction
As you research home loan rates, keep in mind that most lenders will present you with a rate and fee combination that they feel is the best opportunity to gain your business. The rates and fees associated with a home loan will be disclosed to you as the A.P.R. (Annual Percentage Rate). This is the number you should use when trying to determine which lender has the better offer. If a rate seems too good to be true, be sure to check the A.P.R. and associated assumptions.
There are other things to consider besides interest rate and fees. Will your lender retain the servicing of your loan and be your point of contact after closing as you proceed to pay off your home? Having a local contact to help you with questions related to your loan, property taxes, and homeowner’s insurance claims and premiums can be invaluable. At Altra, we retain servicing on all of our conventional loans, so you can rest assured that we will be with you every step of the way.
The rates we quote online are based on the market conditions at the time we post them. They are subject to change based on market movements throughout the day. They are also based upon some basic assumptions as outlined below. Your actual rate will vary based on the characteristics of your individual situation which include but aren’t limited to credit profile, loan purpose, property type, and down payment amount. Keep in mind these rates reflect an overview of our available products but are not all-inclusive. Please make contact with one of our HomeYourWay expert loan originators to get complete answers to all of your questions.
Here are loan programs we offer. These programs are unique to Altra Federal Credit Union. To learn more about these programs and many others, call us at (800) 755-0055.
Please contact your Loan Originator to find out rates in your area.
| Rates effective | 04/26/2024 | ||
|---|---|---|---|
| Program Name | Rate | Points | APR* |
