Home Loans

Whether you're buying your first home, upgrading, or refinancing, our local mortgage experts will help you find the right loan for your goals.*

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Gulf Coast Bank & Trust Home Loans First Time Buyer

First-Time Buyers

Guidance, flexible options, and support designed to make your first purchase feel manageable and informed.

Gulf Coast Bank & Trust Conventional Home Loans

Conventional Loans

Traditional financing with competitive terms

FHA Loans

Government-insured options with flexible qualification requirements and lower down payment possibilities.

Manufactured housing loans

Financing options designed specifically for manufactured homes.

Non-warrantable condos

Financing for eligible condos that don't meet conventional lending guidelines.

Warrantable condos

Conventional financing for eligible condominiums that meet lending requirements.

Bank statement programs

Flexible financing that uses bank statements to verify income.

Multi-unit properties

Finance duplexes, triplexes, and four-unit residential properties.

USDA/RD loans

Affordable financing for eligible rural and suburban homebuyers.

Renovation & FHA 203(k) loans

Finance a home purchase and renovations with one convenient loan.

Jumbo loans

Financing for higher-value homes that exceed conventional loan limits.

VA Loans

Competitive financing for eligible veterans, service members, and military families.

Construction Loans

Build your dream home with financing from the ground up.

Investment Property Loans

Financing designed for purchasing or refinancing investment properties.

2-1 Buydown Programs

Lower your mortgage payments during the first two years of your loan.

Home Equity Options

A flexible credit line backed by your home's equity.

Closed End Seconds

Access a lump sum for home projects or major expenses.

Proven results

Local service you can trust — backed by decades of experience and community commitment.

“I had a great experience because everyone was friendly, helpful, and made the process feel easy and stress-free. I really appreciated the excellent customer service and how well everything was handled. It made me feel valued and comfortable throughout the experience.”

Timara L.

Slidell, LA

“All around, the whole experience was very easy going and a smooth transition into purchasing my first home. Every step was broken down and explained to me very professionally where I could better understand everything it takes into becoming a homeowner. Thanks for all the help!”

Eldwin J.

Baton Rouge, LA

Built on trust

Trusted by homeowners across the Gulf Coast

20,000 +

Customer served

Across the Gulf Coast region

Years serving the Gulf Coast

A legacy of local trust

$ 75 M

Loaned to local homeowners

Supporting our communities

$ 1.8 M

Donated to local charities

Rooted in the Gulf Coast

Mortgage Lenders

Connect with a local mortgage expert who understands your market and is ready to help.

Louisiana

Florida

Texas

*The services and products advertised are not approved or endorsed by HUD, FHFA, USDA, the Department of Veterans Affairs, or any government agency. FHA loans require an up-front mortgage insurance premium, which can be paid at closing for financed, and an FHA annual mortgage insurance premium, paid monthly, will also apply. Other restrictions and limitations apply. Contact your mortgage lender for details.

*This does not constitute an offer to lend. All applications are subject to underwriting guidelines and approval. Not all applicants will qualify for all products offered. Property is subject to approval. Information stated above is subject to change without notice and may only be available in select markets. See lender for more information.

Home Loans