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Home Loans

GTE Financial offers a variety of home loan solutions in Florida!

Buying a home is a BIG deal! Fortunately, it doesn't need to be a BIG pain. We have a number of loan options and resources to help you through the entire process. On top of that, our rates and fees are some of the lowest that you'll find in the Tampa Bay area!

View GTE's great rates or choose one of the options below to get started!

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GTE Financial Home Loan Executives

Meet our Loan Executives

We're basically home loan ninjas. Highly trained and ready to help!

MEET US!

Not Sure Where to Start?

We can help!

Our HomeAdvantage Program is the perfect first step. Plus, you'll earn mega cash rewards after closing on your new home purchase!

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Are You Considering Refinancing Your Current Home?

GTE Financial also offers home loan refinancing. 

Find out how much we can save you!

APPLY ONLINE REFINANCE SAVINGS CALCULATOR

 

Do you like options? We've got 'em! Homeownership is the goal, and we have plenty of loan options to get you there. Here are just a few of the home loan products that can help open the door to your new home!

Popular Home Loan Products

  • Zero Money Down

    100% Financing means $0 down payment for you!

    Features and Benefits

    • First time homebuyers only
    • Purchases for primary residence between $100,000.00 and $510,400.00
    • Can be used in combination with Home Advantage and eligible for Cash Rewards**
    • Private Mortgage Insurance (PMI) required
    • Credit restrictions apply
    As Low As
    3.930% APR*
    View Details for Zero Money Down
  • 30 Year Fixed Home Loan

    GTE Financial offers several Fixed Rate home loan solutions to fit your life!

    Features and Benefits

    • As little as 5% down - that's 95% Loan-to-Value
    • Fixed rate for the length of your loan
    • Great option if:
      • You plan on staying in the home long-term
      • You don't expect your income to increase significantly in the coming years
  • 5/6-month ARM

    Annual Percentage Rate will stay the same for the first 5 years of the loan versus changing every year. After 5 years, the rate can adjust every 6 months, depending on the market.

    Features and Benefits

    • Best choice if the loan amount you are looking to finance is under $510,401 and you are looking for a home loan that does not require 20% down.
    • Initial Adjustment up to +/-2.00% first rate change after first five-year term.
    • Subsequent Adjustment every 6 months thereafter, rate adjustment may not result in an increase or decrease of more than 1.00% from the prior interest rate.
    • Rate cap at 5%. A rate cap is a limit on how much the rate can change at the end of each adjustment period over the life of the loan.
    • Index = SOFR
    • Margin = 3.0%
    • Fixed rate conversion option is not available.
    Today's Rate
    3.251% APR*
    as of Oct 17, 2020
    View Details for 5/6-month ARM

Need Help Saving for a Down Payment?

Check out our Home Loan Savings Account!

Every time you add money to your savings account you are working towards a milestone, getting you closer to saving $4,000 towards your new home! Each time you reach the next saving milestone, you'll receive credit towards your upcoming purchase.

LEARN MORE

 

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How Much Can You Afford

Use our handy-dandy home loan calculator to find the perfect balance between your dreams and your wallet!

GET CALCULATING

 

Request a Consultation from one of our Loan Executives

If you have questions regarding a potential purchase or refinance, we're here to help! Just drop us a line using the form below and a GTE Financial Loan Executive will contact you soon.

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*The Annual Percentage Rates (APR) stated is an estimate and is intended for informational use only. Your actual APR may vary based on your actual loan amount. Sample payment reflected does not include property taxes or property insurance, payment obligation may be greater. Please speak with a Loan Executive for additional information about our rates and fees. Rates are subject to change without notice. Your actual rate and/or points may be different, as many factors are evaluated for a loan approval. This product is subject to change or cancellation at any time without prior notice.