Home Loans & Mortgages

Find the perfect mortgage solution to make your dream of homeownership a reality with competitive rates and flexible terms.

Find Your Perfect Mortgage Solution

Compare our home loan options and find the right fit for your financial situation and homeownership goals.

30-Year Fixed Mortgage
6.25% APR*

Stable monthly payments for the life of your loan with predictable budgeting.

  • Fixed interest rate for 30 years
  • Predictable monthly payments
  • Lower monthly payments than 15-year loans
  • Ideal for long-term homeowners
  • No prepayment penalties
15-Year Fixed Mortgage
5.75% APR*

Build equity faster and pay off your home in half the time with higher monthly payments.

  • Fixed interest rate for 15 years
  • Build equity faster
  • Lower total interest paid
  • Pay off your home sooner
  • Great for refinancing
5/1 Adjustable Rate Mortgage
5.50% Initial APR*

Lower initial payments with a fixed rate for the first 5 years, then adjusts annually.

  • Fixed rate for first 5 years
  • Lower initial payments
  • Rate adjusts annually after initial period
  • Rate caps protect against large increases
  • Ideal for short-term homeowners
FHA Loan
6.10% APR*

Government-backed loan with lower down payment requirements and flexible credit guidelines.

  • Down payment as low as 3.5%
  • More flexible credit requirements
  • Competitive interest rates
  • Government-insured
  • Great for first-time homebuyers

*Annual Percentage Rate (APR) is accurate as of October 1, 2023, and may change. Your actual rate may vary based on creditworthiness, loan amount, and other factors.

Mortgage Calculators

Use our calculators to estimate your monthly payments and understand your homebuying budget.

$1,970
Estimated Monthly Payment
Principal & Interest: $1,970
Property Taxes: $333
Home Insurance: $125
PMI: $0
Total Monthly Payment: $2,428

Calculate how much home you can afford based on your income and expenses.

Determine if refinancing your current mortgage makes financial sense.

Our Simple Home Loan Process

1

Get Pre-Approved

Complete our quick pre-approval application to understand your budget and strengthen your offer.

2

Find Your Home

Work with a real estate agent to find your dream home within your pre-approved budget.

3

Submit Application

Complete your full mortgage application and provide necessary documentation.

4

Close & Move In

Review and sign your closing documents, then get the keys to your new home.

Start Application Find a Mortgage Specialist

Why Choose Global Trust Bank for Your Mortgage?

Competitive Rates

We offer some of the most competitive mortgage rates in the industry with flexible terms to fit your budget.

Fast Approval

Our streamlined application process means you can get pre-approved in as little as 24 hours.

Expert Guidance

Our experienced mortgage specialists will guide you through every step of the homebuying process.

Digital Experience

Manage your mortgage application and documents entirely online with our secure portal.

Flexible Options

Choose from a variety of loan programs to find the perfect fit for your financial situation.

Dedicated Support

Our mortgage team is available to answer your questions and provide support throughout your loan process.

Homebuying Resources

First-Time Homebuyer Guide

Everything you need to know about the homebuying process from start to finish.

Download Guide

Mortgage Calculators

Use our suite of calculators to estimate payments, affordability, and refinancing options.

Explore Calculators

Homebuyer Education

Attend our free homebuyer workshops to learn about the mortgage process and financial preparation.

View Schedule

Frequently Asked Questions

Down payment requirements vary by loan type. Conventional loans typically require 5-20% down, while FHA loans require as little as 3.5%. VA loans and USDA loans may offer 0% down payment options for eligible borrowers. The exact amount depends on your credit score, loan type, and the purchase price of the home.

Pre-qualification is an initial assessment based on unverified information you provide, giving you a rough estimate of what you might borrow. Pre-approval involves a more thorough review of your finances, including credit check and documentation, resulting in a conditional commitment for a specific loan amount. Sellers typically prefer buyers with pre-approval as it demonstrates serious purchasing power.

The mortgage process typically takes 30-45 days from application to closing. This timeline can vary based on factors such as the complexity of your financial situation, the type of loan, property appraisal, and underwriting requirements. Our streamlined digital process helps expedite approvals, with some borrowers receiving conditional approval within 24 hours of application.

Minimum credit score requirements vary by loan type. Conventional loans typically require a score of 620 or higher, while FHA loans may accept scores as low as 580 with a 3.5% down payment (or 500 with 10% down). VA loans don't have a strict minimum but most lenders prefer 620+. Higher scores generally qualify for better interest rates and terms.

Yes, self-employed individuals can qualify for mortgages, though the process may require additional documentation. Typically, you'll need to provide 2 years of tax returns, profit and loss statements, and bank statements. Lenders will average your income over those years to determine your qualifying income. We have specialized loan programs designed specifically for self-employed borrowers.

Ready to Find Your Dream Home?

Start your mortgage application today and take the first step toward homeownership.

Apply Now Contact a Loan Officer