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.

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Call us at 800.650.6328, fill out the form to get more information or apply now.
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We Currently Offer:

Conventional Mortgage

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

VA Mortgage

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

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USDA Loans1

  • 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

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)

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Condo Loans

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


Mortgage Resources

Here's some information you may need to help you in the homebuying process.
Download Our eBook
Mortgage Checklist Understand Your Credit

Have questions? Contact one of our Mortgage Loan Officers:

Cristy Nash

Cristy Nash

Milton & Alabama Mortgage Loan Officer

Apply with Cristy »

NMLS #504013

Email Cristy Nash
850.479.9601 Ext. 473


Sherry Brock

Sherry Brock

Pensacola Mortgage Loan Officer

Apply with Sherry »

NMLS #1367681

Email Sherry Brock
850.479.9601 Ext. 463

Jeremy Benton

Jeremy Benton

Gulf Breeze Mortgage Loan Officer

Apply with Jeremy »

NMLS #1504213

Email Jeremy Benton
850.479.9601 Ext. 472


Biance Rhoades

Bianca Rhoades

Tallahassee Mortgage Loan Officer

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.