Your Refinance Options

Better Rate – Refinance your mortgage to get a better rate and lower your monthly payment, shorten your term to pay your loan off faster, or both. Refinancing is available up to 95% of your home’s value.

Get Cash Back – Refinance your mortgage and use the equity built up to get cash back to make big purchases, such as home improvements, college tuition, pay off debts, and more. Refinancing is available up to 80% of your home’s value.

All The Details

  • Conventional fixed rate mortgage – same low rate for the life of your loan
  • Quick approval process
  • No PMI (Private Mortgage Insurance) required when refinancing up to 80% of your home’s value.


apply - mortgage refinancingMortgage Refinancing Just for Teachers

If you are a teacher looking to refinance your mortgage, you are in luck! With a Gulf Coast Educators FCU Teacher Mortgage Refi, you can refinance your home up to 95%, with no PMI required.

  • Up to 95% financing
  • No PMI (Private Mortgage Insurance) required
  • Borrow up to $300,000
  • Lower your rate & monthly payment


Get Started Today!

Your mortgage refinance loan experts will guide you through each step of the application and funding process.

Victoria Martinez
NMLS# 1986928


Trisha De La Rosa
NMLS# 1894943




To apply for a Teacher Mortgage Refi, you must be a current teacher or administrator with at least two years of teaching experience in a public school district, have a credit score of 680 or higher, and a 45% debt-to-income limit. Maximum loan amount is $300,000. Other conditions may apply. As a reminder, do not send confidential information, such as member number, social security number, etc. in an e-mail message.