Summary

We get it. You want a mortgage at a competitive rate, and you don't want to wait forever to hear back about your application.

Because we're a credit union based right here in the Gulfport area, we can offer what the big banks can't: competitive rates paired with fast, local service! Contact your mortgage representative today at 228-539-6289 — let's get you moved in.

We're up for a challenge! Bring us your best deal from another lender, and we'll do our best to beat the rate and/or terms.

Loan Details

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, investment properties, and more
  • Flexible terms customized to your unique situation
  • A wide range of financing programs available:
  • Fixed rate mortgages
  • First time home buyer loans
  • Adjustable rate mortgages (ARMs)
  • Balloon loans
  • Jumbo loans
  • Home loans to credit challenged individuals
  • Helpful loan advisors with working knowledge of the local Gulfport area real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local, personalized service

Looking for a bargain? Browse our properties for sale.

Construction Loans

Build the home you've always dreamed of — without losing sleep over how to finance it. Our construction loans let you pay for costs as they come up, and make interest-only payments while your home is under construction.

Let's lay the groundwork for your new home! Contact our mortgage representatives about our competitive rates today: 228-539-6289.

We're up for a challenge! Bring us your best deal from another lender, and we'll do our best to beat the rate and/or terms.

Loan Details

  • Half of the 1.0% origination fee refunded when borrower closes permanent mortgage loan with the Credit Union
  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Construction periods of up to one year
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Up to 100% of cost to qualified borrowers
Financing Options

FHA Loans

Designed to assist purchasers who have limited money for down payments, FHA loans require 3.5% of the borrowers funds for down payment and closing costs.

VA Loans

VA loans allow eligible Military Veterans and Active Duty Military Personnel the opportunity to finance the purchase of a home or refinance their existing mortgage with no down payment and no private mortgage insurance.

Conventional Loans

Non-governmental backed loans designed to assist borrowers who have down payment funds to purchase or equity to refinance their existing mortgages.

Rural Development Loans

USDA guaranteed loans available to homebuyers purchasing a home in a qualifying area with no down payment.

Non-conforming Loans

We offer in-house loans to help you to borrow in even if your credit is less than perfect.

We also finance:

  • Lots / land
  • Investment property
  • Second homes
  • Mobile homes with land
  • First time home buyers
  • Construction
  • Purchase Rehab