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Max Value Mortgage®

No to Low Down Payment and No PMI Required

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More Value with Less Stress

Buying a home is a major milestone, and Max Value Mortgage® makes it more accessible with no-to-low down payment options and no PMI. Unlike other mortgages that offer similar benfits, this option isn't exclusive to first-time home buyers. On top of that, our experienced mortgage specialists guide you through every step of the process, creating savings for your wallet and time.

Are You Pre-Approved?

Mortgage pre-approval lets you shop smarter and make stronger offers in a competitive market, especially if you're a first-time homebuyer. 
Reach out to our helpful mortgage team to get started. 

Contact Us

Max Value Mortgages® Features

Don't let years of saving for a down payment stop you from purchasing your own home. Our 100% and 97% loan-to-value purchase options provide homebuyers with low or no down payment mortgage options based on credit and do not require traditional private mortgage insurance (PMI). This type of mortgage is great for those who want to own a home but struggle to save a substantial amount of money. 

  • Fixed rate for 30 years
  • Low to no down payment required
  • No private mortgage insurance (PMI) required
  • Gulf Winds retains and services your loan
  • Available for primary residences

Apply Now Calculate Your Rate

How this option helps you save

Imagine you've finally found a home that checks all your boxes, but worried about the upfront costs. You’ve saved up a little for a down payment, but not enough for the traditional 20% usually required. With Max Value Mortgage, you don’t have to worry about private mortgage insurance (PMI) or draining your savings.

Let’s say you're purchasing a home for $300,000. With a standard 20% down payment, you’d need to put down $60,000. But with our no-to-low down payment option, you could secure your mortgage with just $15,000 down — saving you $45,000 upfront!

But here’s the real savings: without the added PMI cost, you could save an additional $150 to $250 per month, depending on the loan. Over the life of a 30-year loan, that could mean thousands of dollars back in your pocket.

Apply Now  Learn More About PMI

Are You Pre-Approved?

Mortgage pre-approval lets you shop smarter and make stronger offers in a competitive market, especially if you're a first-time homebuyer. 
Reach out to our helpful mortgage team to get started. 

Contact Us

Additional Mortgage Options

It's one of the biggest purchases of your life, so don't settle for "good enough."
Let us help you find the perfect loan for your perfect home.

Adjustable-Rate Mortgage

Already have a mortgage and looking for more favorable terms? Considering the terms of your existing loan, market conditions, and your future home plans, refinancing might still be a beneficial option.

  • Various term options: 3/1, 5/1, 7/1, 10/1
  • Lower initial monthly payments
  • Lower fixed rate before your rate adjusts

Apply Now  Calculate Your Rate

Home equity is the difference between how much you owe on your mortgage and how much your home is worth.

  • Fixed rate HELOAN
  • 3.99% APR HELOC Introductory Rate3
  • Closing Costs Paid
  • 85% Maximum Loan-to-Value

Apply Now  Learn More

VA and USDA loans are government-sponsored mortgages intended to help families become homeowners with little to no down payment required. VA mortgages are available for eligible veterans, reservists, and active-duty personnel4, while USDA loans are available for those in rural areas and within the program's income limits5.

  • Fixed rates
  • Refinance options available
  • Finance options up to 100%4
  • Low to no down payment required

Apply Now  Calculate Your Rate

Mortgage Calculators and Resources

From deciding how much home you can afford to estimating closing costs, we have the tools you need to make informed decisions about what loan is right for you.

Learn More  Calculate Your Rate

Helpful Homebuying Tips

Still have questions? Check out these tools to help better understand the homebuying process.

Apply For A Mortgage

My Gulf Winds loan officer made a point to help find financial help for my situation. She wouldn’t stop until she found a loan to fit my life.
Kevin R.
April Glover

April Glover

NMLS# 854548

Apply with April

Email April Glover

850.479.9601 Ext.446

Ed Brown

Ed Brown

NMLS# 416348

Apply with Ed

Email Ed Brown

850.324.2976

Sherry Brock

Sherry Brock

NMLS# 1367681

Apply with Sherry

Email Sherry Brock

850.479.9601 Ext. 463

Gulf Winds Credit Union NMLS #414456

*Interest rates, annual percentage rates (APRs), points and estimated breakdowns are subject to change without notice.

1  - 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.

Max Value Mortgages® Estimated Loan Payment Breakdown®
A fixed-rate loan of $200,000 for 30 years at a rate of 6.625% and 6.792% APR will have a monthly payment of $1,280.61.