Mortgage

We provide loans for almost any purpose at competitive rates.

Mortgage

Whether you are a first-time home buyer or looking for your forever home Gulf Coast FCU has a mortgage option for you.

Mortgage

The right home loan should put a big grin on your face. Our low rates can help you reach your homeownership dreams faster.

Buying A New Home
Buying a home should be exciting and rewarding! We offer competitive rates and flexible options to fit your budget. We’ll guide you through the process, offer personalized advice and work to save you as much money as possible along the way.

Refinancing
Put more money in your pocket by leaving your high-interest rate home loan in the dust and refinancing with Gulf Coast FCU.

Home Equity

What’s next on your list? We’d absolutely love to help get you there with our Home Equity loan.

Have a dream project of fixing up classic cars? Pull cash out of your equity. Get the cash you need for kitchen upgrades, debt consolidation, or pay for college.

Finish your remodel early? Don’t worry. We won’t ding you for that.

Investment Property

Ready for the ultimate side hustle? A rental property can be a powerful revenue stream with big returns.

Lots & Land

Stake your claim! Purchase a land or lot and worry about the buildout later!

Mortgage Application

Submit your application via email here.

Frequently Asked Questions

We are here to help you open your home loan or find the right option to fit your needs. Give us a call at 361.980.8203 or apply online today.

What do I need to apply for a Mortgage

Please click here to access our borrower checklist.

How long does it take to close on a mortgage start to finish?

Our loans are approved in-house. We offer fast turnaround closings from 30-45 days.

Can I speak to someone at a branch about Mortgage loans?

Yes. All branches can provide you with our borrower’s checklist and the contact information to one of our Mortgage Loan Underwriters.

To visit our Mortgage Loan Underwriters in person, please stop by our Staples Location.

How much does the closing fee actually cost?

Borrowers’ closing costs are typically between 2% to 5% of the home’s purchase price.

How much do I need for a down payment on a house

We offer mortgages with a down payment starting at just 5%. Certain restrictions may apply.

Please contact our Mortgage Department for more details.

Kasasa Cash Back Disclaimer

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning on the last business banking day of a calendar month through one (1) day prior to the last banking business day of a calendar month. Visit our website or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.0% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $12 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5 minimum balance is required per savings account. $25 minimum deposit required per checking account. $2.50 Membership Fee. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA

Trademarks:

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Disclaimer

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning on the last business banking day of a calendar month through one (1) day prior to the last banking business day of a calendar month. Visit our website or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.45% resulting in an APY of 3.50%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a non-compounding APY of 3.50% to 0.90% APY depending on the account’s average daily balance.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5 minimum balance is required per savings account. $25 minimum deposit required per checking account. $2.50 Membership Fee. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Saver for Kasasa Cash Disclaimer

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning on the last business banking day of a calendar month through one (1) day prior to the last banking business day of a calendar month. Visit our website or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Kasasa Saver account earn a rate of 2.47% which results in an APY of 2.50% and a dividend rate of 2.23% on the portion of the average daily balance over $50,000, resulting in a range from 2.50% to 2.33% APY depending on the account’s average daily balance. When your linked Kasasa Cash account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of .005% APY. Dividends will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5 minimum balance is required per savings account. $25 minimum deposit required per checking account. $2.50 Membership Fee. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA

Trademarks: Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.