Your home is the most important purchase you will make in your lifetime. Our lending officers live in this community and understand the local market — and will work hard to find a mortgage that is perfect for you and your family. We offer a full line of mortgages including Conventional, USDA, VA, Condo, and even Land and Lot Loans. Gulf Winds can even help refinance your existing mortgage. Plus, current mortgage rates are historically low. It’s the perfect time to make your dream home a reality.

Current Mortgage Options


Conventional Mortgage

  • 15, 20, & 30-Year Fixed Rates
  • Finance Options up to 97% for First Time Home Buyers
  • Primary and Secondary Residence

FHA Loans

  • Low Down Payment Requirements
  • Qualify for Down Payment Assistance
  • 30-Year Fixed Rate Loans

VA Mortgage

  • Finance Options up to 100%
  • Fixed Rate (payments stay the same through term)
  • Refinance Options Available

Learn More

USDA Loans1

  • 30-Year Fixed Rates
  • No Down Payment Required
  • Low Monthly Private Mortgage Insurance
  • Refinance Options Available


100% Mortgage Refi

  • Rate and Term Only
  • Cash Outs
  • Lower Payments
  • Shorter Terms

Learn More

Assistance Grants

Gulf Winds is offering assistance grants of $5,000 - $15,000 for eligible borrowers. The number of grants available per year is limited, so they are available on a first-come, first-served basis. There are many ways you can qualify, and grants are not limited to new homebuyers. 

Grants Available:

  • First-time homebuyer
  • Community partners
  • Foreclosure recovery
  • Veterans and returning veterans

Learn More

Home Equity Loans

Home Equity Loans

  • Low Fixed Rate Programs
  • 5, 8, & 12-Year terms
  • Majority of Closing Costs Lender Paid

Home Equity Line of Credit (HELOC)2

  • Introductory Rate of 1.99% APR for the First 6 months
  • 5 Year Draw Period with a 15 Year Repayment term
  • Closing Costs Paid (some restrictions apply)

Learn More

Additional Mortgage Options

Land and Lot Loans

  • 5, 8, & 12-Year Terms Available
  • Up to 10 Acres
  • Up to 75% LTV

Condo Loans

  • 15, 20 and 30-year fixed rates
  • Primary and secondary residence

Get Started

Call us at 800.650.6328, fill out the form to get more information or apply now.
Get More Info Apply for a Mortgage

Mortgage Resources

Tools to help understand the homebuying process.

Have questions? Contact one of our Mortgage Loan Officers:

Cristy Nash

Cristy Nash

Milton & Alabama

Apply with Cristy »

NMLS #504013

Email Cristy Nash
850.479.9601 Ext. 473


Sherry Brock

Sherry Brock


Apply with Sherry »

NMLS #1367681

Email Sherry Brock
850.479.9601 Ext. 463

Jeremy Benton

Jeremy Benton

Gulf Breeze

Apply with Jeremy »

NMLS #1504213

Email Jeremy Benton
850.479.9601 Ext. 472


Biance Rhoades

Bianca Rhoades


Apply with Bianca »

NMLS #1794420

Email Bianca Rhoades
800.650.6328 Ext. 719

1Available 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.

2Subject to credit approval. The introductory rate will be in effect for the first six (6) months after your line of credit is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime + 1% to Prime + 3.5% using the Wall Street Journal Prime (WSJP) rate (currently an APR of 3.25%) not to exceed 18% at any time. Gulf Winds agrees to pay closing costs on new Home Equity Lines of Credit with the exception of appraisal fees, title insurance, and any fees associated with Home Owner’s Association. Required minimum draw at closing is $10,000. Closing costs depend on the location of the property, property type, and the amount of the Equity Loan.