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HYBRID HOME EQUITY LINE OF CREDIT

Flexibility Meets Steady Payments

Stop choosing between the flexibility of a Home Equity Line of Credit (HELOC) or the steady payments of a fixed-rate loan. You can enjoy both with Park View's Hybrid HELOC!

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How it Works

  • Use your Hybrid HELOC as you need it, for anything you need
  • You can lock all or a portion of your Hybrid HELOC balance into a fixed-rate for a specified period of time during your draw period1
  • You can choose to lock in your interest rate up to five times
  • Minimum lock amount is $5,000

Hybrid HELOC Benefits

  • Keep payments steady by locking in a fixed-rate
  • Easy access to the equity in your home
  • No pre-payment penalties
  • No closing costs2
  • Potential tax savings3
  • Use for recurring home remodeling, major purchases, tuition costs, and any other use

Hybrid HELOC Example: $60,000 Line of Credit

Breakdown of Home Equity Draws

Disclosures

1Hybrid Home Equity Line of Credit (HELOC) allows a member to create up to five (5) fixed loan segments with a minimum of at least $5,000 for each loan segment. Up to 50% of the HELOC limit can be a fixed-rate segment. Fixed terms will be based on the existing rate of the HELOC. The fee structure remains the same as the regular HELOC initial loan application. There is a $25 fee to set-up each segment. For qualified borrowers only. Contact Park View for full details.
2No closing costs, excluding appraisal fee if required, for a new Home Equity Line of Credit (HELOC) or Hybrid HELOC. If the total interest paid over the life of the loan, including the draw and repayment periods, is less than the original closing costs, you will be required to reimburse the Credit Union for closing costs paid on your behalf. We estimate closing costs to range between $350.00 to $500.00. All loans subject to credit approval. Minimum line amount is $5,000. The Annual Percentage Rate (APR) is based on The Wall Street Journal prime rate, currently 3.25%, plus or minus the margin. Maximum APR, by law, is 18.00%, minimum is 3.25%. Loan-to-value limits apply. Property insurance is required.
3Consult with a tax advisor to determine if you are eligible.

Federally insured by NCUA
Equal Housing Lender

NMLS# 653464
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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