Welcome to our VA Hybrid Loan Simulator.

Here at Low VA Rates we feel that the VA hybrid loan is one of the greatest financial tools available to eligible VA borrowers. Civilians do not have access to this loan. Regardless of your current thoughts about the “dreaded ARM loans”, please use this tool and we feel you’ll be surprised at what a great loan this is.

STEP 1 - Current Loan

This is where you put the loan you're thinking about refinancing at this time. This information can be found on your note from closing.

Starting Loan Amount
Rate
Starting Term	yrs
Your Payment (P&I)

STEP 2 - New VA Hybrid Loan

This is where you set the initial terms of your new VA Hybrid loan. Once set, you can then manipulate the rates beyond the ARM fixed term.

Starting Loan Amount
Rate
ARM Fixed Term (Yrs)
Your Payment (P&I)
Your Monthly Savings

Current Loan

Hybrid ARM Loan

Low VA Rates Strategy

3

YEARS

Balance

Monthly Payment

5

YEARS

Balance

Monthly Payment

7

YEARS

Balance

Monthly Payment

10

YEARS

Balance

Monthly Payment

AMORTIZATION SCHEDULE

This tab shows your current amortization schedule and should match what you were given at the closing of your current loan.

Month

Interest Rate

Payment Due

Interest

Principal

Balance

Interest

Principal

This tab is your new amortization with Low VA Rates. You get to control or pick what you think might happen with the rates for the next 30 years (step 3). You can then compare this with your current loan.

Month

Interest Rate

Payment Due

Interest

Principal

Balance

Interest

Principal

In this strategy we hypothetically assume that you are willing to continue making your current mortgage payment on the new hybrid ARM terms. This amortization shows you how much faster you can pay your home balance down without having to spend any more per month than you're currently doing.

Month

Interest Rate

Payment Due

Interest

Principal

Balance

Interest

Principal

STEP 3

ADJUSTABLE RATES

Choose whether you think rates will rise, fall, or stay the same. Go ahead and predict the future!

Disclaimer, Terms, and Assumptions

The Low VA Rates VA Hybrid Simulator is a tool and is only as accurate as the data entered. The results provided by this calculator/simulation are for example only and are in no way a prediction of what will happen with your loan. This site is intended for educational purposes only and you are expected to weigh all possible outcomes before making a decision. Any rates entered on this calculator are for your education purposes only and are not guaranteed rates. Not everyone will qualify for the VA hybrid loan and additional closing costs may apply. Call and speak to a loan officer for rates and fees. VA hybrid loans have both a fixed rate feature and an adjustable rate feature. This is not a fixed rate loan and your rate can go up or down in the future. Past rate movements and volatility are not an indication of future rate movements and volatility.