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Home Loans to Fit Your Needs

Conventional - Jumbo - Refinance - And More

Limited Time - $500 Closing Cost Credit*

Make Homeownership More Affordable

Enjoy $500 off closing costs for qualifying mortgages with GTE Financial! Eligible mortgages include purchase and refinance applications originated on or after July 1, 2021 and closed before October 31, 2021. 

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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!


Already have a Home Loan Application started?


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!

Learn More

Are You Considering Refinancing Your Current Home?

GTE Financial also offers home loan refinancing. 

Find out how much we can save you!


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

    • Purchases for primary residence between $100,000.00 and $548,250.00
    • Can be used in combination with Home Advantage and eligible for Cash Rewards**
    • Private Mortgage Insurance (PMI) required
    • Credit restrictions apply
    As Low As
    3.195% APR*
    as of Sep 16, 2021
    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
    As Low As
    2.999% APR*
    as of Sep 20, 2021
    View Details for 30 Year Fixed Home Loan
  • 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 $548,251 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
    3.125% APR*
    as of Sep 20, 2021
    View Details for 5/6-month ARM

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.

Are you considering a new purchase or a refinance?
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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.

Receive $500 towards borrower’s closing costs in accordance with the loan program selected and that program’s eligibility requirements. Member pays for all other fees and services. Eligible for the first 400 mortgages including purchase and refinance applications originated on or after July 1st, 2021 and closed before October 31, 2021. Not valid for existing application(s) prior to July 1st, 2021, or home equity products. Offer may not be combined with any other offers or discounts unless otherwise noted. Limit one (1) per loan transaction. Lender credit will only be given for originated loans. Certain conditions apply. Offer may be withdrawn at any time. | Federally Insured by NCUA.