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Heroes loan program

Special Mortgage Options and Benefits for Everyday Heroes

Our new Suncoast Community Heroes Mortgage program is designed to help everyday heroes benefit from special 3/3 ARM and 7/1 ARM mortgage options with up to 100% financing, no down payment and no private mortgage insurance.

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

Who Qualifies for the Heroes Loan?

The community heroes who can apply for the Heroes Loan include:

  • All school employees and educational professionals
  • Active military, National Guard and reservists
  • Spouses of military members who lost their lives during active service
  • Veterans
  • Nurses
  • All law enforcement employees
  • Firefighters, paramedics and EMTs

These programs are only available in Florida.


Get up to $3000 Toward Closing Costs with Heroes 3/3 ARM

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

Benefits of our Heroes 3/3 ARM:


  • No origination fee
  • Up to 100% financing
  • No down payment
  • No Private Mortgage Insurance (PMI)

How it 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.

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.


Save money on your mortgage with Heroes 7/1 ARM

Costs can quickly add up when buying a house. We want to help our local heroes save money with our Heroes 7/1 ARM.

Here are some ways our Heroes 7/1 ARM can help you save:


  • No origination fee
  • Up to 100% financing
  • No down payment
  • No Private Mortgage Insurance (PMI)

How it works:

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.

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.


Apply today

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


*Suncoast will contribute up to $3000 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.