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Community Responsibility

Gibraltar Private Bank & Trust is committed to supporting the communities we call home. Gibraltar Private received a “Satisfactory” Community Reinvestment rating. We are proud of our partnerships with local cities, counties, and housing authorities as we help low- and moderate-income homebuyers realize the dream of homeownership.

Gibraltar Private uses the income criteria set by the Office of Housing and Urban Development (HUD) and the Miami-Dade Public Housing & Community Development Affordable Housing Program Guidelines to qualify low- and moderate-income first time homebuyers.

First-time homebuyer programs:

  • Affordable housing mortgage programs for low- and moderate-income families
  • Affordable monthly payments
  • Down payment and closing cost assistance
  • Financing up to 99% loan-to-value with government subsidy
  • Fixed rate mortgage programs
  • Local underwriting
  • Low interest rates
  • Prompt loan decisions
  • First-time homebuyers classes

Partnership with local Community Development Corporations (CDCs) provides:

  • Services to promote economic development in our areas
  • Loans through the Community Reinvestment Group
  • Direct Subsidy for affordable housing projects through the Federal Home Loan Bank of Atlanta Affordable Housing Program (AHP)
  • Additional financial assistance through the First Time Homebuyers Program
  • Closing costs and down payment assistance through Federal Home Loan Bank
  • Technical assistance on financial matters to non-profit organizations
  • Seminars on preparing for homeownership

Community Involvement and Memberships:

  • Board Member of the South Florida Community Development Coalition (SFCDC)
  • Managing Partner of the Community Reinvestment Group Consortium (CRG, LLC)
  • Board Member of Housing Opportunities for Excellence (HOPE, Inc.)
  • Member of the Broward Alliance for Neighborhood Development (BAND)
  • Member & Board Member of the Miami-Dade Housing Agency / Bank Partnership Program Participating Lender
  • Board Member of Housing Opportunities, Mortgage Assistance, and Effective Neighborhood Solutions, Inc. (H.O.M.E.S. Inc.)                                                                                                                                                                                                          

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Member FDIC •  Equal Housing Lender