Suncoast Community Heroes Fixed Mortgages

Our Community Heroes is ideal to help everyday heroes achieve their home ownership dreams and benefit from low fixed rate and adjustable rate mortgage options.

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Special Mortgage and Refinance Options for Everyday Heroes

Benefits of Community Heroes Mortgage

Who Qualifies?

All full-time public and private school employees (K-12, Post-secondary)^

  • Active military, National Guard and reservists
  • Spouses of military members who lost their lives during active service
  • Veterans
  • Physicians, nurses, paramedics and EMTs
  • All public law enforcement employees
  • All fire department employees
community-hero-qualify

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    Community Heroes Fixed Rate Mortgage FAQ

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    ^The subject property must be the member’s primary residence. The member must contribute (and satisfactorily document accordingly as their own funds) a minimum of 3% towards either the down payment when receiving a gift of 2% from a qualified family member (if applicable) or closing costs, including escrows and pre-paids. 95% financing is only applicable to Single Family Homes and Townhomes. Mobile Homes and Lots are not eligible for this product. The members cannot retain ownership in any other financed residential property at time of closing. Program eligibility subject to change without notice. Additional requirements may apply for eligibility qualification. Please contact our Mortgage Call Center between the business hours of 8:00 a.m. and 5:00 p.m., Monday through Friday or Saturday from 8:00 a.m. to 1:00 p.m. at 813-621-7511 or toll-free at 800-999-5887 ext. 87008 EST for additional information.

     

    ^^Rate Term Refinances allow a max cash back of $1,000 at closing. The Community Heroes loan product allows members to pay off the first mortgage (regardless of the company that holds the mortgage) and any SCU and outside lender trade lines up to 80% LTV. There are special seasoning requirements to payoff secondary or junior liens with proceeds of the new refinance. Secondary liens not meeting this seasoning test must be subordinated with the CLTV/HCLTV not to exceed 95%. Program eligibility subject to change without notice.