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CyberSaver Products

The ultimate in electronic access, high-yield savings accounts. Learn which great product is right for you! Details

Make the switch to GCF Bank!

Full FDIC insurance on CDs up to
$50 MILLION!
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FREE Home Value Estimator

MORTGAGE

BUYING A NEW HOME? The decision to buy a new home can be very exciting and exhausting at the same time. Take control by knowing what two factors lenders look for in approving a loan: simply your ability and willingness to repay the loan. Ability to repay is determined by your income, length of time at your current job and employment history. Most lenders like to see that you have been on your job at least two years. In considering willingness to repay, we look at whether the property will be used as your primary residence or rental income. We look at your credit history; are you current on all your monthly payments? Do you have any outstanding debt? No need to worry about ever-changing market rates at GCF. Our exclusive, no-fee rate lock-in on our standard and construcution to permanent loans gives you protection from increasing rates from the time of application up to sixty (60) calendar days (180 calendar days for construction to permanent loan applications). In addition, if the rate in effect ten (10) calendar days prior to closing/first draw is lower than the rate at the time of your application, you will receive the lower rate. For more information as well as information on our flexible newly constructed home rate lock, please review our rate lock policy.
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