Here are some of Gulfside's most popular loans.

My Community:

• Reduced Insurance Premiums
• Interest Only Option
• 40 Year Terms
• No Minimum Borrower Contribution
• Flexible On Credit
• Relaxed Guidelines For Teachers, Police, Health Care And More.

My community is a very flexible program for purchases or refinancing. It has many options not found with loans from other lenders. We offer reduced insurance premiums (up to 20%) for lower monthly payments. There is also an interest only option, and loan terms up to 40 years! Further, there is no minimum borrower contribution, and the program is very flexible on credit. If you are a firefighter, police officer, teacher, health care professional, have a disability, or a family member with a disability, than this program has even more relaxed credit guidelines. Contact Gulfside today for more information.

Flex Equity

• 30 Year Terms
• Interest Only Option
• Available For Second Homes And Investments
• Open Ended Or Fixed Terms

Flex Equity is our most popular home equity plan. It has the terms and options that most home owners are looking for. The loan can be either open ended, or a fixed term. It is also available for second homes, and investment properties. There is an interest only option, so you can minimize your monthly obligations. This is a great plan for paying off those high interest loans with a low interest rate and tax deductible home equity loan from Gulfside. Contact Gulfside today for more information.

Gulfside offers hundreds of products to its customers. Each can be custom tailored to meet each clients specific needs. Below is a list of just some of the things we can do.

Alternative Credit Programs:

Loan programs suited to meet the needs of clients who have had credit issues, bankruptcies, collections, etc.

Blanket and Cross-Collateralized:

Mortgages that can be secured with multiple properties.

Conventional, Conforming & JUMBO Fixed:

10, 15, 20, 25, 30 year loans.

3/1, 5/1, 7/1, 10/1 ARM:

The first number represents the number of years the rate will be fixed at the initial interest rate. After the initial fixed rate period, the loan converts to an adjustable rate loan. The second number represents the fact that the interest rate will adjust once per year after the initial fixed rate period.

Interest Only:

Financing that requires only the repayment of interest for a designated amount of time 3, 5, 7 or 10 years.

First Time Homebuyer Programs:

Programs designed for those people buying their first property or who haven't owned a principal residence in the past three years. These programs offer a minimal down payment and can be combined with Down Payment Assistance programs. Ask about our 97% loan that has no MI.

Zero Down Programs:

For teachers, health care workers, and safety professionals.

80/10/10 80/15/5 and 80/20 Combo loans available.

Non-Conforming Products:

For the customer who cannot meet conventional underwriting guidelines, we offer: No Income Verification, Stated Income, No Doc and many more.

Pledged Assets:

Assets can be pledged in lieu of down payment.