Purchase rates
as low as
4.50 % *

Home Equity rates as low as 4.50%*

Refinance rates as low as 4.50%*




* All loans are based on credit approval.

* All rates are subject to change at any time.

Gulf Credit Union offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
15 Year - Fixed Rate - Purchase
20 Year - Fixed Rate - Purchase
10 Year - Fixed Rate - Home Equity
15 Year - Fixed Rate - Home Equity
20 Year - Fixed Rate - Home Equity
10 Year - Fixed Rate - Refinance (with no equity loan involved)
15 Year - Fixed Rate - Refinance (with no equity loan involved)
20 Year - Fixed Rate - Refinance (with no equity loans involved)
30 Year Fixed Rate Product

Rates last updated on Wednesday, May 30, 2018

15 Year - Fixed Rate - Purchase

We currently offer fixed rate loans to purchase your home. We offer up to 90% financing without mortgage insurance or up to 97% financing with mortgage insurance.

All loans are based on credit approval. All rates are subject to change at any time.

Term: 15 years   Maximum Amount: $417,000

20 Year - Fixed Rate - Purchase

We currently offer fixed rate loans to purchase your home. We offer up to 90% financing without mortgage insurance or up to 97% financing on purchase transactions with mortgage insurance.

All loans are based on credit approval. All rates are subject to change at any time.

Term: 20 years   Maximum Amount: $417,000

10 Year - Fixed Rate - Home Equity

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 does not 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.

All loans are based on credit approval. All rates are subject to change at any time.

Term: 10 years   Maximum Amount: $250,000

15 Year - Fixed Rate - Home Equity

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 does not 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.

All loans are based on credit approval. All rates are subject to change at any time.

Term: 15 years   Maximum Amount: $250,000

20 Year - Fixed Rate - Home Equity

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 does not 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 determied by median credit score.

All loans are based on credit approval. All rates are subject to change at any time.

Term: 20 years   Maximum Amount: $250,000

10 Year - Fixed Rate - Refinance (with no equity loan involved)

We currently offer fixed rate loans to refinance your home.  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.

 

All loans are based on credit approval.  All rates are subject to change at any time.

Term: 10 years   Maximum Amount: $417,000

15 Year - Fixed Rate - Refinance (with no equity loan involved)

We currently offer fixed rate loans to refinance your home.  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.

 

All loans are based on credit approval.  All rates are subject to change at any time.

Term: 15 years   Maximum Amount: $417,000

20 Year - Fixed Rate - Refinance (with no equity loans involved)

We currently offer fixed rate loans to refinance your home.  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.

 

All loans are based on credit approval.  All rates are subject to change at any time.

Term: 20 years   Maximum Amount: $250,000

30 Year Fixed Rate Product
Term: 30 years   Maximum Amount: $417,000
 

Our 30 year repayment terms are handled through our partner.  Contact us for more information!!




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.