What is a Hybrid Loan?

VA Hybrid Loans combine the stability of a fixed-rate mortgage with the savings of a low-rate adjustable mortgage!

Benefits of a VA Hybrid Loan:

  • Higher Monthly Savings
  • Faster Debt Reduction
  • Guaranteed Limits in Rate Adjustments 
  • Faster Break-even Periods
  • Help Veterans save and invest more money

The 3/1 Hybrid

Guaranteed with a fixed rate for 3 years, this program features the lowest start rate and payment of any VA Loan available. This is the most attractive option for those veteran homeowners who feel they will sell or refinance their homes within 5 years.  This is the best choice for active duty military personnel expecting transfer and those contemplating job changes that require relocation.

The 5/1 Hybrid

Guaranteed with a fixed rate for 5 years, this loan is a popular option among veteran homeowners who feel they will likely sell or refinance their homes within 8 years.  For growing families and empty nesters who know they will eventually need a different size home, the 5/1 Hybrid Loan offers the perfect combination of low rates and predictable payments.

  Want to talk to a Mortgage Consultant Directly?    Call or Text (844) 912-1620

Want to talk to a Mortgage Consultant Directly?

Call or Text (844) 912-1620

Call (844) 912-1620  

Or fill out your information online and a mortgage consultant will contact you!

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  Find out what our Customers are saying about us!

Find out what our Customers are saying about us!

  Zero Cost VA Streamline Refinance.

Zero Cost VA Streamline Refinance.

Adjustable rate loans (hybrid loans)

  • APR can increase.
  • Actual payments will vary based on your individual situation and current rates.
  • Some products may not be available in all states.
  • Some jumbo products may not be available to first time home buyers.
  • Lending services may not be available in all areas.
  • Some restrictions may apply.
  • The lock period for your rate is 25 days.
  • Please remember that we don’t have all your information. Low VA Rates offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call (800) 318-1579 to talk to one of our mortgage experts.

 Rate is variable and subject to change after 3 years.

Adjustable Rate Mortgage (ARM) Info:

  • First Change 36 Months (3/1 Hybrid), 60 Months (5/1 Hybrid)
  • ARM index 0.2 (1 yr Treasury Bill) (subject to change as indexes change daily
  • ARM Margin 2.25
  • Lifetime Rate Cap 5.0%
  • Adjustment Period 12 Months
  • Yearly Adjustment Cap 1.0

Arm rate advertised: The initial payment not including escrows on a $300,000 3-year Adjustable-Rate Loan at 2.25% is $1,174.85. The Annual Percentage Rate (APR) is 2.4%. After the initial 3 years, the principal and interest payment could increase or decrease. The maximum increase can be 1% which would change the PI to $1,337.63. The fully indexed rate is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 3 years.