More Value with Less Stress
Buying a home is a major milestone, and Max Value Mortgage makes it more accessible with no-to-low down payment options and no PMI. On top of that, our experienced mortgage specialists guide you through every step of the process, creating savings for your wallet and time.
Are You Pre-Approved?
Mortgage pre-approval lets you shop smarter and make stronger offers in a competitive market, especially if you're a first-time homebuyer.
Reach out to our helpful mortgage team to get started.
Mortgage Calculators and Resources
From deciding how much home you can afford to estimating closing costs, we have the tools you need to make informed decisions about what loan is right for you.
My Gulf Winds loan officer made a point to help find financial help for my situation. She wouldn’t stop until she found a loan to fit my life.Kevin R.
Gulf Winds Credit Union NMLS #414456
*Interest rates, annual percentage rates (APRs), points and estimated breakdowns are subject to change without notice.
1 - Home Owners Insurance is required. Flood and Wind Insurance may be required, when applicable. Exclusions and limitations apply. Gulf Winds agrees to pay closing costs on new HELOANs and HELOCS with the exception of appraisal fees, title insurance, and any fees associated with Home Owner's Association. Closing costs can range from $150 to $1500. If the loan is paid off and closed in less than three years of the loan origination date, all closing costs paid by Gulf Winds Credit Union will require reimbursement. Closing costs depend on the location of the property, property type, and the amount of the Equity Loan. Consult your tax advisor about possible tax benefits. Owner-occupied property only and Gulf Winds Credit Union must be in a valid first or second lien position. Refer to HELOAN or HELOC application or ask your Mortgage Loan Officer for complete details. This offer may be withdrawn at any time.
2 - Subject to credit approval. The introductory rate will be in effect for the first six (6) months after your line of credit is opened. After the promotional period, the variable standard APR will be based on your line amount, combined loan to value ratio, and credit rating. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard APR. This offer is available to new equity line members, and is subject to change without notice. Required minimum draw at closing is $10,000.
3 - Available on primary residences only. Certain property types are ineligible. Borrower(s) must not have an individual or joint ownership interest in any other residential property at time of closing. Homebuyer education may be required. Restrictions apply regarding co-borrowers. Maximum income and loan amount limits apply.
Estimated Mortgage Loan Payment Breakdowns
Max Value Mortgages™
A fixed-rate loan of $200,000 for 30 years at a rate of 6.625% and 6.792% APR will have a monthly payment of $1,280.61.