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The best mortgage for

our clients

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Why people choose us:

GCT Mortgage Brokers

GCT Mortgage Brokers work with a variety of lenders, including banks, credit unions, and other financial institutions. This gives our borrowers access to a wider range of mortgage products and rates.

Years of Experience:

With over 20 years of combined experience in the mortgage industry, GCT Mortgage has a wealth of knowledge and experience to help our clients.

Providing Various Mortgage Solutions

GCT Mortgage Brokers, LLC works with various residential lenders, thereby offering access to mortgage on an economy of scale basis.

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Benefits of working with us

Working with a mortgage broker can offer several significant benefits, making the process of securing a mortgage more efficient, cost-effective, and tailored to your needs. Here are the key advantages:

1. **Access to a Wide Range of Lenders:**
GCT Mortgage Brokers, LLC have relationships with multiple lenders, including banks, credit unions, and other financial institutions. This access allows us to present various mortgage products and rates, providing more options than a single lender might offer.

2. **Expert Guidance:**
GCT Mortgage Brokers, LLC are knowledgeable about the mortgage industry and can offer expert advice tailored to your financial situation. We help you understand the complexities of different mortgage products, terms, and conditions.

3. **Time and Effort Savings:**
GCT Mortgage Brokers, LLC handle much of the legwork involved in securing a mortgage, including researching options, comparing rates, and managing the application process. This saves you considerable time and effort.

4. **Negotiating Power:**
With our industry expertise and relationships with lenders, we can often negotiate better rates and terms on your behalf, potentially leading to significant savings over the life of the loan.

5. **Personalized Service:**
GCT Mortgage Brokers, LLC provide personalized service, working closely with you to understand your needs and preferences. We offer customized solutions that may not be readily available through direct lenders.

6. **Credit Management:**
GCT Mortgage Brokers, LLC can provide guidance on improving your credit score and managing your financial profile to qualify for better mortgage rates and terms. We help you understand how your credit affects your mortgage options.

7. **Specialized Loan Options:**
For borrowers with unique financial situations, such as self-employed individuals, those with poor credit, or those seeking specific types of loans (like interest-only or low down payment options), we can find suitable products that might not be available through traditional banks.

8. **Streamlined Application Process:**
GCT Mortgage Brokers, LLC manage the mortgage application process, including gathering necessary documents, submitting applications, and communicating with lenders. This streamlined approach reduces stress and minimizes the chances of errors or delays.

9. **Ongoing Support:**
GCT Mortgage Brokers, LLC provides support throughout the entire home-buying or refinancing process, from the initial application to closing. We can also offer advice and assistance for future mortgage needs or changes.

10. **Potential Cost Savings:**
By finding the most competitive rates and negotiating favorable terms, GCT Mortgage Brokers, LLC can help you save money on interest and fees over the life of your loan.

Overall, working with a mortgage broker can make the process of obtaining a mortgage smoother, more informed, and potentially more affordable, ensuring that you find the best possible loan for your specific needs and circumstances.

Loans Products

CONVENTIONAL

  • • 620+ FICO
  • • Primary, second and investment properties
  • • Loan amounts up to county loan limit
  • • Eligible for primary, second and investment properties on purchase, rate/term and cash-out refinances
  • • LTV's as high as 97% on purchase and rate/term refinances
  • • LTV's as high as 80% on primary home and 75% on second home and investment cash-out refinances
  • • High Balance available for loan amounts over the county loan limit
  • • Lender and seller paid Temporary Rate Buydowns available
  • • Available on single- and multi-wide manufactured homes, co-ops*, condos, PUDs and One-Time Close New Construction loans
    *Applicable in New York only

FHA

  • • 580+ FICO, Up to 97.75% LTV
  • • Eligible for primary purchase, rate/term and cash-out refinances
  • • Available on single- and multi-wide manufactured homes
  • • Jumbo starting $1 over conforming loan limit up to FHA Mortgage Limit

VA

  • • Loans up to $4M
  • • 580+ FICO Up to 100% LTV
  • • Fixed term only
  • • Single family primary residence
  • • Purchase & cash-out refinance
  • • Available on single- and multi-wide manufactured homes, co-ops*, condos, PUDs and One-Time Close New Construction loans
  • • Escrow waivers up to 100% LTV
  • • Lender and seller paid Temporary Rate Buydowns available

BANK STATEMENT

  • • 660+ FICO with LTVs up to 80%
  • • Loan amounts starting at $100,000 up to $2M
  • • Up to 50% DTI
  • • Self-employed borrowers only
  • • First-time homebuyers not permitted
  • • Eligible on primary, second and investment property purchases and rate/term refinances. Cash-out refinances only eligible on primary homes.
  • • For primary home loans:
    Minimum 12 months’ reserves required
  • • For second home loans:
    Minimum 15 months’ reserves required
  • • For investment properties:
    Minimum 18 months’ reserves required
  • • Additional 6 months’ reserves required for each financed property
  • • Minimum 12 months’ consecutive bank statements required
  • • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • • Temporary Rate Buydowns not permitted
  • • Not eligible in West Virginia or on Texas 50

HELOC

  • • 680+ FICO, up to 85% CLTV*
  • • Up to 50% DTI*
  • • $20,000 minimum line amount, initial draw must be 75% of line amount
  • • Draw amount up to $500,000
  • • 3- and 5-year draw periods
  • • For line amounts up to $400,000, an appraisal waiver is accepted with an approved AVM
  • • Available on all transaction types
    *Subject to first lien restrictions

USDA

  • • 30-year fixed rate
  • • No down payment required
  • • No cash reserves needed
  • • Closing costs may be financed on some transactions
  • • Seller contributions allowed
  • • 620+ FICO and Elite pricing starting at 640+ FICO
  • • Available on single- and multi-wide, condos and PUDs

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