Background image for Gulf Mortgage Group, LLC 69545

Loan Programs

We offer a variety of loans to fit your individual needs.

Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers. 


Competitive interest rates
Down payment options starting at 5% (3% for eligible first-time homebuyers who qualify)
Flexible loan terms
FHA Loans

Offer flexibility for lower credit scores and higher debt-to-income ratios, making homeownership more accessible to borrowers.

Competitive interest rates
Down payments starting at 3.5% of the purchase price
Backed by the government
USDA Loans

No down payment required, government insured loan for rural and certain suburban areas for borrowers within USDA's income limits.

Zero down payment required
Must be in a USDA-designated rural area
Income limits vary by property location & family size
VA Loans

No down payment required, government insured loan for veterans and their families with competitive rates.

Zero down payment required
No private mortgage insurance
Flexible credit requirements
Construction Loans

Looking to build a new home? We aim to simplify the complex process of building so you can turn your dream home into a reality!

We will help you secure financing for both the construction phase and the permanent mortgage with ease
Make interest-only payments during construction
Expert guidance throughout the entire process
Specialized Products

We have multiple additional offerings to better fit your needs, including but not limited to the following: 

Jumbo loans up to $3.5M
Bank statement loans for eligible self-employed borrowers
Home Equity Line of Credit (HELOC)