Mortgages

How about a dream mortgage for your dream house? Whether you are looking to purchase or refinance, Gold Coast has the mortgage options you need and the rates/terms that best fit your financial goals.

Once your loan is established, paying it back is easy! You can either transfer money from your Gold Coast savings or checking account within online/mobile banking, or you can make a payment using another financial institution's credit or debit card.

Come to the Coast for the best mortgage choices available!

Conventional Mortgage

To best serve our members, Gold Coast has expanded our loan product suite to include first mortgages. For more information on any mortgage product, please call (561) 965-1000, press option 1 for loans, then option 1 for mortgages.

  • Fixed/Adjustable rates
  • Terms to 30 years
  • Conventional, FHA and VA loans
  • 30-day to 45-day closings, in most cases

0% Down/No PMI Mortgage Program

Purchase your home with no down payment.

  • 100% financing – NO down payment required – NO PMI:
    • 30-year fixed-rate first mortgage loan for 80% of purchase price and low closing costs
    • 15-year fixed-rate home equity loan for 20% of purchase price
  • Minimum loan amount of $100,000 for the purchase of a primary residence in Florida
  • Fixed rates with a rate lock for 60 days from the date of application

5/1 Adjustable-Rate Mortgage (ARM)

The Gold Coast adjustable-rate mortgage program will help you enjoy a monthly payment that is lower than your typical conventional mortgage.

  • Offers a lower initial rate than a fixed-rate mortgage
  • Fixed interest rate for the first five years, then adjusts once a year.

Mortgage for School Employees

If you are a school district employee in Palm Beach, Saint Lucie, or Okeechobee County, you are eligible for a special mortgage program from Gold Coast.

  • 100% financing – NO down payment required – NO PMI:
    • 30-year fixed-rate first mortgage loan for 80% of purchase price and low closing costs
    • 15-year fixed-rate home equity loan for 20% of purchase price
  • Minimum loan amount of $100,000 for the purchase of a primary residence in Florida
  • Fixed rates with a rate lock for 60 days from the date of application
    • Rate discount
    • Loan fee discounted 50%