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Gulf Power Company Employees CU
GPCE Credit Union Home Loans

Home Loans

Home Loans

Home Financing Made Easy. Buying a new home? Or looking for refinance or home equity loans to pay down debt or make a major purchase? GPCE Credit Union, a Division of FSU Credit Union offers competitive rates and premier member service.

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  • Quick pre-qualification
  • No intangible tax (Saves you $.20 on every $100 borrowed)
  • No closing cost options
  • All our mortgages are serviced locally
  • No pre-payment penalties
Make your home work for you!
  • Financing up to 90% of the full-appraised value or tax assessment for single family homes with approved credit.
  • Competitive rates and maximum term of 240 months.
  • Interest rates adjust quarterly based on prime index and borrower’s risk score.*
  • Interest you pay is usually tax deductible (please consult your tax advisor).
  • No closing costs on qualifying properties.*

A Home Equity Line of Credit is perfect when you want to draw on cash over a period of time and only pay interest when you have an outstanding balance. You can use your home’s equity to make property improvements, take a vacation, or consolidate your bills.


OUR TEAM

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of FSU Credit Union can be found here:

  • Grant Abbott: 891712
  • Charles Adcock: 663055
  • Joshua Griep: 1360182
  • Diamond Popour: 465745
  • Brandi Skipper: 1052344
  • Sharon Snipes: 1634745

SAFE Act Registration Disclosure FSU Credit Union 456949

To get started send us an email, access our online loan application, contact us, or visit any of our convenient office locations.

 

Terms & Conditions
*A Home Equity Line-of-Credit has a variable Annual Percentage Rate (APR) with a maximum APR of 18%. The adjustable index for these loans will be based on the prime interest rate as quoted in the Wall Street Journal two business days prior to the change and adjusted on the 1st business day of each quarter. This index is then adjusted based on members’ risk score. The rate changes shall be made every quarter and payments will change monthly based on the current prime rate and the balance. The Credit Union reserves the right to reinstate the original floor APR at any time at its sole discretion. The fees and costs required to open the Home Equity Line-of-Credit are usually between $50 and $1500. These fees will be paid by the credit union if your initial withdrawal is at least $5,000. If your loan is satisfied in full within the first year, you must pay back all of the closing costs. If the loan amount is satisfied in full within the second year, you must pay back half of the closings costs. Property insurance is required. Credit standards apply. Mobile homes may be excluded. Please contact a credit union representative at 877-GO-FSU-CU for more details.

APR is Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions are subject to change. GPCE Credit Union offers 100% financing based on MSRP of new boat / motorcycle / RV and 100% NADA Retail Value of used boat / motorcycle / RV including tax, tag, title, and GAP insurance. Your overall credit worthiness will determine the rate, term, and amount available to you. Fees and charges may apply.