Mortgage Loans
Why Choose GCB Mortgage?
- Streamlined Online Application
- Options: RD, FHA, VA Loans and more
- Flexible Rates and Terms
- Experienced Team
- Fast and Local Service
Mortgage Loans
- Consumer purpose dwelling secured loans for purchase, improvements, refinance, debt consolidation, etc.
- Short term interim construction loans secured by the dwelling.
- Secondary market financing available to qualified borrowers - RD, FHA, VA Loans and more.
Land Loans
- Consumer purpose loans secured by bare land either being purchased or previously owned.
Gulf Coast Bank has been committed to providing an exceptional customer experience since our doors opened.
As a local bank that remains active in the community, we understand the needs of Acadiana and we pride ourselves on being able to meet those needs.
When you're looking to buy or refinance, Gulf Coast Bank is here to help.
Mortgage Loan Options
Conventional Loans
• Minimum Fico score 620
• 1st-time homebuyers 3% down payment minimum
• 5% down payment minimum for all others
• Jumbo loans: Up to $3,000,000, minimum 680 Fico
• Most property types including: Single-wide/Double-wide Manufactured & Modular Homes
• 1st-time homebuyers 3% down payment minimum
• 5% down payment minimum for all others
• Jumbo loans: Up to $3,000,000, minimum 680 Fico
• Most property types including: Single-wide/Double-wide Manufactured & Modular Homes
USDA RD Loans
• Minimum Fico score 640
• 100% financing available
• Ask us how we can wrap in closing costs
• 1st-time homebuyer’s welcome
• Most property types including: Single-wide/Double-wide Manufactured & Modular Homes
• 100% financing available
• Ask us how we can wrap in closing costs
• 1st-time homebuyer’s welcome
• Most property types including: Single-wide/Double-wide Manufactured & Modular Homes
VA Loans
• Available for eligible veterans, active-duty service members, reservists & some surviving spouses
• Minimum fico score of 580
• 100% financing available
• 1st-time homebuyer’s welcome
• Minimum fico score of 580
• 100% financing available
• 1st-time homebuyer’s welcome
FHA Loans
• Minimum Fico score of 580
• 1st-time homebuyer’s welcome
• 3.5% down payment minimum
• 1st-time homebuyer’s welcome
• 3.5% down payment minimum
Meet Your Mortgage Loan Officer
Erica Stephens, NMLS #2720489
Have questions? Erica is ready to help guide you through every step of the homebuying process.
Property eligibility and program requirements apply.
USDA property must qualify within eligible zones.