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 you get there. From kitchen do-overs to tropical vacations, consider a Home Equity Loan.
No pre-payment penalties
Finish your remodel early? Don’t worry. We won’t ding you for that.
Funds for anything under the sun
Maybe your real dream project is fixing up classic cars.
Pull cash out of your equity (instead of no pre-payment penalties)
Get the cash you need for kitchen upgrades, debt consolidation, or pay for college.
Invest 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!
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 with someone at a branch about Real Estate Loans?
Yes. All branches can provide you with a list of documents, and then they will give you the contact information to one of our expert Real Estate Loan Underwriters.
To visit our Real Estate Loan Underwriters in person, please stop by our Staples Branch.
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.
Submit your application via email here.