Real Estate Loans

Real Estate Loans

We provide loans for almost any purpose at competitive rates.

The right home loan should put a big grin on your face. Low rates and low payments 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-rate home loan in the dust and refinancing with Gulf Coast FCU. There’s no better time to explore the savings you can get with a lower rate and better term.

Providing you with additional lending options!

FHA Loans

Home loans insured by Federal Housing Administration (FHA) offer a variety of benefits for first-time home buyers, especially those who have lower credit scores or not a lot saved for a down payment.

VA Loans

We’re proud to offer Veteran Affairs (VA) home loan options to qualified United States veterans, active duty military and reserve forces.

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.

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

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.

Please click here to access our borrower checklist.

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.

Closing costs are usually between 5% to 6% of the loan amount, but can vary.

We offer many mortgages. Some mortgages may require less of a down payment than others. We offer mortgages with down payment requirements as low as 5% to 10%.  Please contact a Real Estate Loan Underwriter for more details.