Mortgage Loans

Gulf Credit Union understands that every borrower is different, and we are committed to helping you find the right mortgage product for your specific needs. Our team of professionals is trained to handle each stage of your mortgage process. We also make the process of securing a mortgage simple and straightforward by offering you the latest financial tools to help you make sound financial choices.

Gulf Credit Union offers a variety of loan programs to meet your needs.

To apply for a loan, please click here, visit the Gulf Credit Union location nearest you, or call us at 409.963.1191 or 800.448.5832.

Please click here to view information on preparing you for your Home Loan.

Purchase

Rates as low as 4.00%*

  • 15 Year - Fixed Rate

    We offer up to 90% financing without mortgage insurance or up to 97% financing with mortgage insurance.

  • 20 Year - Fixed Rate

    We offer up to 90% financing without mortgage insurance or up to 97% financing with mortgage insurance.

Home Equity

Rates as low as 4.00%*

  • 10 Year - Fixed Rate

    We can offer up to 80% of the fair market value of your home, provided that the maximum principal amount, when added to all other debts secured by your home, doesn't exceed the 80% threshold as set up in the home equity guidelines defined by Section 50(a)(6), Article XVI, Texas Constitution.

    The rates on our equity loans are determined by median credit score.

  • 15 Year - Fixed Rate

    We can offer up to 80% of the fair market value of your home, provided that the maximum principal amount, when added to all other debts secured by your home, doesn't exceed the 80% threshold as set up in the home equity guidelines defined by Section 50(a)(6), Article XVI, Texas Constitution.

    The rates on our equity loans are determined by median credit score.

  • 20 Year - Fixed Rate

    We can offer up to 80% of the fair market value of your home, provided that the maximum principal amount, when added to all other debts secured by your home, doesn't exceed the 80% threshold as set up in the home equity guidelines defined by Section 50(a)(6), Article XVI, Texas Constitution.

    The rates on our equity loans are determined by median credit score.

Refinance

(with no equity loan involved)

Rates as low as 4.00%*

  • 10 Year - Fixed Rate

    We offer up to 90% financing, based on the fair market value of your home, without mortgage insurance. These types of loans cannot have any equity monies involved.

  • 15 Year - Fixed Rate

    We offer up to 90% financing, based on the fair market value of your home, without mortgage insurance. These types of loans cannot have any equity monies involved.

  • 20 Year - Fixed Rate

    We offer up to 90% financing, based on the fair market value of your home, without mortgage insurance. These types of loans cannot have any equity monies involved.

30 Year - Fixed Rate Product

Our 30 year repayment terms are handled through a partner. Please contact our Mortgage Department, at 409.963.1191 or 800.448.5328, for more information.

* All loans are based on credit approval. All rates are subject to change at any time. Excludes investment/commercial purpose loans.