What is a Hybrid Mortgage at Park View?

At Park View, a Hybrid Mortgage is a HELOC that combines the flexibility of a revolving line of credit with the advantages of locking in a fixed interest rate, all while holding the primary lien on your home.

Can I switch between fixed and variable rates?

You can lock in a fixed rate on all or part of your balance. Balances over $100,000 remain at a variable rate.3

Are there any fees to lock in a fixed rate?

You can lock in a fixed rate on the first segment of a Hybrid Mortgage at no cost during the first 12 months after opening the account. After that period, a $25 loan modification fee applies.

How do I access my funds?

You can transfer funds directly to your checking account using Online and Mobile Banking.4

What is the difference between a Hybrid Mortgage and a Hybrid HELOC at Park View?

A Hybrid Mortgage is secured in the first lien position, meaning it has priority over other loans on your home. In contrast, a Hybrid HELOC is in the second lien position.Both products allow you to lock in up to five fixed-rate segments, giving you flexibility and stability. However, a Hybrid Mortgage offers additional fixed-rate term options of 10 and 15 years, along with potential rate discounts, making it a great choice for long-term planning.

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Park View Federal Credit Union is a local, community-focused credit union in Virginia, living out our mission of Neighbors Serving Neighbors. We provide personal and business banking solutions, including checking and savings accounts, auto loans, mortgages, HELOCs, credit and debit cards, and more. Bank from anywhere with online and mobile banking, or visit one of our conveniently located branches. Members also have access to additional services through our credit union family: Park View Financial Advisors, HR Reliance, and Members Title.

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