A 4-year fixed-rate mortgage is a contractual mortgage that ensures a consistent rate of interest over a 4-year term. Mortgage terms need to be negotiated once your 4-year term comes to an end. Every mortgage option will also have an amortization period which is typically the length of time it will take you to pay off your mortgage in full. Looking for more clarity? No need to worry, give us a ring or send us an email and we’ll be happy to answer all of your questions! But since you’re already here, take a look at the best 4-year mortgage rates below.