Heroes loan program

Suncoast Community Heroes Mortgage

Special Mortgage Options for Everyday Heroes

Our Heroes Loan program is designed to help everyday heroes achieve their home ownership dreams and benefit from 30, 20, 15 and 10 year fixed rate mortgage options or 3/3 and 7/1 adjustable rate mortgage options.

The Suncoast Community Heroes Mortgage loan program is here to help the people who work so hard to help our community.

Who Qualifies?

  • All 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
  • Nurses, paramedics and EMTs
  • All public law enforcement employees
  • All fire department employees


  • No origination fee
  • Up to 95% financing†
  • No Private Mortgage Insurance (PMI)

Get up to $2,000 Toward Closing Costs with Heroes 3/3 ARM

Suncoast will pay up to $2,000 toward your qualifying closing costs* when you purchase or refinance your primary residence with our Heroes 3/3 Adjustable Rate Mortgage (ARM).

Mortgage Options to Meet Your Needs

Suncoast is proud to offer 30, 20, 15 and 10 year fixed rate mortgages and 3/3 and 7/1 adjustable rate mortgages for community heroes. So no matter what kind of mortgage you’re looking for, Suncoast is here to help!

How an adjustable rate mortgage works:

When you finance with our Heroes 3/3 ARM, your rate will stay the same for the first three years. After the third year, your rate may be subject to change every three years for the life of the loan.

When you finance with our Heroes 7/1 ARM, your rate will stay the same for the first seven years. After the seventh year, your rate may be subject to change every year for the life of the loan.

For both ARM mortgages, changes on the first and all future rate adjustments may increase or decrease by a maximum of 1.50%.** The maximum rate change over the life of the loan will not exceed 5% over the initial rate.

These programs are only available in Florida.

Apply today

To get pre-approved, apply online or call our Mortgage Contact Center at 800.999.5887 extension 86391.

Effective 9/1/2019 *Suncoast will contribute up to $2,000 towards closing costs (Closing Costs Benefit) when the HEROES 3/3 ARM product is selected for the purchase or refinance of a primary residence. Suncoast will not pay closing costs for discount points to obtain a lower rate, insurance premiums or monies necessary to establish escrow accounts (taxes and insurance). All Sellers paid closing costs will be credited prior to any credits for the Closing Cost Benefit to be provided by Suncoast. If the mortgage is paid in full during the first 24 monthly payments of the loan, borrowers will be required to repay the closing costs benefit to Suncoast for the amount reflected as “Lender Credits” on the Closing Disclosure. The 24 monthly period begins with the first payment due date of the loan. **The interest rate floor will be equal to the margin of 2.50%. All loans are subject to income and credit qualifications.

†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 (if applicable) or closing costs, including escrows and pre-paids. 95% financing is only applicable to Single Family Homes and Townhomes. Up to 95% financing for Condominiums. Mobile Homes and Lots are not eligible for this product. The members can not retain ownership in any other financed residential property at time of closing.