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Find the Perfect Home Loan

Find the Perfect Home Loan

Thinking about buying a home? Get started early to decide which lender and type of loan best fit your needs. Taking the time to learn about your options can ease stress and save you money on your down payment, interest, and fees.

Soon you will find the perfect home, let us help you choose the perfect loan. The Gulf Winds mortgage team lives in your community and understands the local market. They can help you determine the right loan for you from our full line-up of mortgage options. 

Here's a quick look at our mortgage options and their criteria and qualifications:

Conventional Loan

Conventional loan rates are fixed for 15, 20, or 30 years, meaning the interest rate will not change for the life of the loan. Typically, the longer you finance your home, the higher the interest rate. If you're a first-time homebuyer, you can usually finance up to 97% of the loan.

VA Loan

VA Home Loans are an option for eligible veterans, those currently serving in the military, and sometimes their spouses. You may receive a better term with this type of loan because the Department of Veteran's Affairs guarantees a portion of the loan. You also have the option to finance up to 100%. 


A USDA home loan is a zero-down payment (100% financing) mortgage offered by the U.S. Department of Agriculture to home buyers in less densely populated areas of the country. Home location, income level, and other requirements determine your eligibility.

FHA Loan

FHA Loans are 30-year fixed-rate loans insured by the Federal Housing Administration. Down payments can be as low as 3.5%, making this a good option for first-time homebuyers needing a small down payment option. Eligible buyers can also get down payment assistance. Home location, income level, credit history, and other factors determine eligibility. 

Condo Loan

A Condo Loan rate is fixed for 15, 20, or 30 years and can be used for a primary or secondary residence. The condo must meet specific eligibility requirements to qualify for financing.  

Land and Lot Loan

A Land and Lot Loan lets you finance up to 10 acres with term options of 5, 8, or 12 years. You can borrow up to 75% loan-to-value. The Loan-to-Value ratio is the amount of your mortgage in relation to the value of the property you want to purchase. 

Gulf Winds also offers Home Equity Loans and Home Equity Line of Credit (HELOC) to help finance major expenses, like home renovations/repairs, medical bills, or college tuition. Both types of loans use the equity in your home as collateral and offer reasonable interest rates and terms. We can answer any specific questions you may have about these types of loans.

Because each person's circumstances are different, there is no one-loan-fits-all standard. That's why it's important to review your options carefully before deciding on a loan. The mortgage process doesn't have to be intimidating. Start by choosing the right lender, and you're well on your way to a satisfying home buying experience.


NMLS#414456 Equal Housing Opportunity

VA loans require a VA funding fee at closing. The fee is higher with a zero-down payment, and maximum loan limits vary by county. If a down payment of 5% or more is made, the fee is reduced. The VA funding fee is non-refundable. Ask for details about eligibility, documentation and other requirements.

USDA loans available on primary residences only. Certain property types are ineligible. Borrower(s) must not have an individual or joint ownership interest in any other residential property at time of closing. Homebuyer education may be required. Restrictions apply regarding co-borrowers. Maximum income and loan amount limits apply.


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