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Home Loans

GTE offers a wide variety of home loan options and low rates to fit your needs!

Ready to purchase a home?

Explore GTE's wide variety of home loan solutions

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.

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Home Loan Resources

If you have questions regarding a potential purchase or refinance, we're here to help!

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Down Payment Assistance

GTE Financial offers home loan options covering all closing costs and prepaid items, a popular option with no upfront expenses for borrowers. Click below to see if you are eligible for GTE's in-house down payment assistance loan!

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Call a GTE Home Loan Executive

813-871-2690 x40407

Thinking of Refinancing Your Current Home?

GTE Financial offers home loan refinancing. Find out how much you could save!

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Popular Home Loan Products

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 GTE Financial can offer.

Zero Money Down

Buy a home with no money out of pocket.

Features and Benefits

  • Open to first-time homebuyers and non-first-time homebuyers (must be primary residence)
  • No income limits on these loan options
  • Down Payment Assistance
  • Fixed rate mortgages with competitive rates
VIEW DETAILS Zero Money Down

Jumbo Loans

Increase your purchasing power!

Features and Benefits

  • Ideal for home loan amounts over $766,551
  • Ability to refinance a Jumbo loan or take cash out for home improvement projects, debt consolidation or investing
  • Borrow more money at a great rate to keep the cash in hand
VIEW DETAILS Jumbo Loans

Zero Down Medical, Dental, and Veterinary Home Loans

Special home loans for medical and dental professionals from GTE Financial.

Features and Benefits

  • No mortgage insurance required
  • Exclusively for home purchases
  • Up to 100% loan value
  • Maximum loan amount of $850,000
  • Student debt exclusion for qualified deferrals
  • Flexible employment start date post-closing
VIEW DETAILS Zero Down Medical, Dental, and Veterinary Home Loans

Community Empowerment Mortgage

Introducing the Community Empowerment Mortgage, a dedicated Special Purpose Credit Program (SPCP) designed to extend mortgage financing opportunities to under-resourced communities looking to purchase a home.

Features and Benefits

  • In-house DPA
  • No income limitations
  • Serving Tampa Bay
VIEW DETAILS Community Empowerment Mortgage

Construction Loan

Build your ideal home.

Features and Benefits

  • Avoid having to wait for your home to become available - build your dream home
  • One time closing that can refinance after construction
  • Low interest rate that is interest only payment during the construction time
VIEW DETAILS Construction Loan

Vacant Land Loan

Purchase your dream home site in Florida up to 12 acres.

Features and Benefits

  • Buy a piece of land to build your future dream home
  • Available to members building a future single-family primary residence
  • Competitive interest rate
VIEW DETAILS Vacant Land Loan

Zero Down Professionals Home Loan

GTE offers up to 100% financing minimizing the burden of a down payment or mortgage insurance.

Features and Benefits

  • No mortgage insurance required
  • Exclusively for home purchases
  • Up to 100% loan value
  • Maximum loan amount of $850,000
  • Student debt exclusion for qualified deferrals
  • Flexible employment start date post-closing
VIEW DETAILS Zero Down Professionals Home Loan

Adjustable-Rate Mortgages (ARMs)

With a fixed initial low Annual Percentage Rate (APR)¹ from 5 to 15 years, you can increase your buying power with lower monthly payments.

Features and Benefits

  • As little as zero down
  • Lower initial rate
  • Multiple options
  • Quick decisions
  • Loans $50,000-$1,500,000
VIEW DETAILS Adjustable-Rate Mortgages (ARMs)

Looking To Use Your Home's Equity?

Learn how to unlock your home's equity to make the most of your money.

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Home Buying Assistance

Talk with a GTE Loan Executive

If you have questions regarding a potential purchase or refinance, we're here to help! Simply fill out the contact form and a GTE Loan Executive will contact you soon.

Not sure where to start?

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

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Loan payoff

If you’re looking to payoff your home loan early, learn more about next steps.

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