Mortgages and Home Loans

Whether buying new or looking to refinance your current mortgage, there's never been a better time to take a look at your home financing options.          

Our dedicated mortgage professionals will discuss your mortgage goals, any upcoming large expenses or major purchases and how your existing financing compares to the current interest rate environment.  They will then assist you in finding a program, among our mortgage loan options, that will fit your budget and lifestyle. 

Let GulfShore Bank be your mortgage concierge and help simplify the process for your primary, secondary and/or investment home loan needs. 

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Fixed Rate Mortgages

The most common type of mortgage program in which the interest rate and the monthly payments of principal and interest are locked in for the duration of the loan. When you secure a fixed-rate mortgage, you limit the volatility of your loan and experience easier budgeting with predictable monthly payments. 

Email us today to discuss.

Adjustable-Rate Mortgages (ARMs)

Also known as variable rate mortgages, these loans are designed to adjust with the market after an initial fixed rate period. Lower interest rates in the early years of your mortgage, compared to a fixed-rate loan, means more cash on hand each month.  Look for loans with lower rate adjustments and rate caps, so your payments stay manageable over the life of the loan. 

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Federal Housing Administration (FHA) Loans

These programs help make homeownership more accessible through lower down payments and more flexible credit requirements.  The purpose of an FHA-insured loan is to extend credit to potential homebuyers who would otherwise not qualify for conventional home loans. 

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Department of Veterans Affairs (VA) Loans

Available to eligible service members, and their surviving spouse, who meet specific requirements, home loans from the Department of Veterans Affairs are popular among those who are eligible as they often require no down payment.  

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Home Affordable Refinance Program (HARP)

This an enhanced program intended to help eligible homeowners refinance regardless of a declining home value. 

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Jumbo Loans

Looking to move to a bigger house?  Need more room for a growing family?  Want to buy a second home or a vacation home?  Our jumbo loan program allows home buyers to borrow up to $3 million for the purchase of their next home; whether it be a single family home, a townhouse or a condo.  Fixed rate and adjustable rate loans available for loans over $417,000.  

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Home Equity Lines of Credit (HELOCs)

Are you looking to start a home improvement project, consolidate debt or pay off a major expense? Make the most of your home’s equity with a low variable rate or fixed rate line of credit. 

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Construction Financing  

Whether you are building your dream home or doing renovations, our experienced mortgage professionals can help guide you every step of the way.  With an in-house construction-to-permanent loan from GulfShore Bank you can finance your land purchase and construction with one closing; saving you time, effort and money. Designed to help you finance the custom home you always imagined. 

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Portfolio Mortgages

Does your financial circumstances not fit Fannie Mae, Freddie Mac or FHA?  Let an experienced GulfShore Bank lender take a look at your loan needs and see if it would qualify for one of our in-house programs.  

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Megan Martinez is available to answer all of your mortgage questions. Call her directly 813.418.3018 or email her at (NMLS # 1093953).