Heroes loan program

Suncoast Community Heroes Mortgage

Special Mortgage and Refinance Options for Everyday Heroes

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

Current homeowners can also take advantage of our low rates and favorable terms to refinance your home with a cash-out option to help pay off existing loans or debt.

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

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


  • Save money with no origination fee and no private mortgage insurance (PMI)
  • Low down payment required with up to 95% financing
  • Choose terms that are right for you: 30, 20, 15, 10 year fixed rate options or 3/3 and 7/1 adjustable rate options
  • Reduce or payoff existing debt or expenses at a lower rate†† by refinancing your current mortgage 

Mortgage and Refinance 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. If you are looking for the right mortgage option, Suncoast is here to help!

If you own your home, we’re still ready to help you save money by refinancing to take advantage of our low rates and favorable terms.

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 87008.

*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.

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.

††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.