A home is one of the most important purchases you will make in your lifetime. Whether you’re in the market to purchase a new home or want to refinance your current mortgage, we have a variety of products and services to make the process as smooth as possible. Our experienced mortgage team will work with you to design a plan that fits your needs and budget.
We Currently Offer:
- 15, 20, & 30-Year Fixed Rates
- Finance Options up to 97% for First Time Home Buyers
- Primary and Secondary Residence
- 30-Year Fixed Rates
- No Down Payment Required
- Low Monthly Private Mortgage Insurance
- Refinance Options Available
Land and Lot Loans
- 5, 8, & 12-Year Terms Available
- Up to 10 Acres
- Up to 75% LTV
Home Equity Loans
- Low Fixed Rate Programs
- 5, 8, & 12-Year terms
- Majority of Closing Costs Lender Paid
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 4.75%) 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.