With mortgage lending offices conveniently located across the Gulf Coast, we offer a variety of lending solutions to meet your home loan needs including purchase loans, refinance loans, construction, FHA, VA, and USDA (rural development). We even offer programs designed for first-time homebuyers including bond programs as well as jumbo loans.
Our loans come with competitive rates and flexible terms, plus local lending decisions and the personal service you've come to expect from the bank that cares about you!
Contact your local mortgage lender today to learn more about how we can help you with your borrowing needs.
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Find a Mortgage Lender Near You
Gulf Coast Bank Mortgage Lending has over 30 Mortgage Lenders located throughout East Baton Rouge, Jefferson, Livingston, metro New Orleans, St. Bernard, St. Tammany, and Tangipahoa parishes in Louisiana as well as Orange and Sarasota counties in Florida.
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Home Loan Programs
If you’re getting ready to buy a home or considering a refinance, our loan officers will help you get the best mortgage for your needs!
Our Home Loan Programs Include:
Construction Loans offer the ability to either build a residence from the ground up or renovate an existing property. We offer both a single close construction loan, as well as a two-time construction loan. Differences in the two programs can be discussed with your mortgage loan originator.
Conventional mortgage loans are also known as Fannie Mae or Freddie Mac loans. The guidelines and credit requirements are established by either Fannie Mae or Freddie Mac. Generally, the credit requirements for this program type are a bit more stringent than a government loan.
FHA, or Federal Housing Administration, is a mortgage loan that is insured by FHA. FHA and/or HUD (Department of Housing and Urban Development) set the regulations and requirements to qualify for this type of loan.
First Time Homebuyers
We love helping local residents realize their dreams of buying their first home. Click on the link below to find out more about various programs available for first-time homebuyers.
If you need a home loan that is higher than the current limits set by the Federal Housing Finance Agency, you will need a jumbo loan. Jumbo loans are sometimes called nonconforming loans because they don’t fit the loan amount requirements of conventional loans offered by Fannie Mae or Freddie Mac.
USDA home loans were created by the U.S. Department of Agriculture to encourage home ownership in rural areas. A big draw of the USDA program is the 0% down payment option. This is the only zero down payment loan program available for borrowers who have not served in the military. The USDA offers flexible terms for fixed rate mortgages only.
VA, or Veterans Administration, is a mortgage loan that is insured by the Veterans Administration. This program is only available to Veterans or the eligible dependents of Veterans. VA sets the service requirements to qualify for a VA backed mortgage loan. A certificate issued by the VA will document your eligibility for a VA insured loan.
Bond Programs are community based mortgage loan programs that Gulf Coast Bank & Trust Co. participates in. Typically the Bond programs are designed to help meet the housing needs of low-to- moderate income applicants. The programs are typically designed for first time homebuyers with rates that are usually below the current market.
Multi-unit properties are typically either two units (duplex), or 3-4 units. Properties with more than 4 units are considered commercial and fall under different lending categories.
Gulf Coast Bank Home Loans offers multi-unit property loans in areas we serve including metro New Orleans & Baton Rouge as well as Florida & Texas.
Bank Statement Programs
Gulf Coast Bank & Trust offers competitive bank statement programs for self-employed individuals to help make it easier to get a home loan.
We are continuing our COVID-19 prevention employee training protocols to help ensure we do our part to avoid any further spread or outbreak. Below is a link to the CDC's "How to Protect Yourself and Others", we felt it was a good reminder of what we can all do to help stop the spread.
We compiled the below resources to help you along the process. Contact one of our local Mortgage lenders today to get started!
No two loans are ever the same. That’s why it’s important to find out what YOUR numbers might look like on a home loan.
Whether you’re buying a home, refinancing, building or purchasing investment property, our loan calculators will help you understand the numbers.
Home Loan Calculators:
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