Mortgages and Financing for Your Home
From buying a new home to refinancing an existing property, Suncoast's suite of services is designed to meet all of your home financing needs.
- Get Started
- Refinancing
- Types of Mortgages
- First Time Home Buyer
- Realty Services
- Mortgage Amortization Calculator
- ARM vs Fixed Rate Mortgage
Select a Service:
-
Mortgage Rates and Resources
Our Suncoast Online Mortgage Center has all the information and resources you need to make buying a home easier. When you’re ready to begin the process of buying a new home, there are a few things you need to do to get started:
Please email online.mortgage@suncoastcreditunion.com or contact the Mortgage Call Center at 800-999-5887 extension 87008 (English) or 86309 (Spanish).
- Get preapproved. Preapproval can expedite the home-buying process and be the difference between getting the home of your dreams and watching another bidder walk away with it.
- Lock your mortgage rate while you look for a home. Our Lock and Shop feature lets you lock your interest rate for 60 days when you get preapproved for a mortgage. If rates go up, you’ll keep the locked rate. If rates go down, you’ll get the lower rate. Available for all fixed and adjustable rate mortgages up to $1,000,000.
- Find low rates. Get low rates and fewer fees at Suncoast. Check today's rates.
- Consult. Receive customized, comprehensive customer service from our experienced staff of Mortgage Loan Consultants. We’re ready to help you finance your home or property.
- Utilize our suite of insurance products. We offer homeowner’s, title, private mortgage, flood, windstorm and interior condominium insurance plans.
- Receive loan status updates. We keep you informed throughout the entire mortgage process with automated email communications that let you know where your loan is now, what the next steps are and what to expect from your mortgage team.
- Save on closing costs for a home equity loan. Get up to $1,000 toward closing costs when you get a home equity loan from Suncoast.**
- On-Time Closing Guarantee.*
Visit the Suncoast Mortgage Center
Or have a Suncoast mortgage loan consultant contact you.
Explore Mortgage Rates
Choose a Product:
APR*
as low as
as low as
Annual Percentage Rate
Rate Type
Fixed or Variable
30 Year Fixed
APR*
as low as
7.375 %
Rate Type
Fixed
20 Year Fixed
APR*
as low as
7.250 %
Rate Type
Fixed
15 Year Fixed
APR*
as low as
7.250 %
Rate Type
Fixed
10 Year Fixed
APR*
as low as
7.000 %
Rate Type
Fixed
Suncoast Community Heroes 30 Year Fixed
APR*
as low as
7.375 %
Rate Type
Fixed
Suncoast Community Heroes 20 Year Fixed
APR*
as low as
7.250 %
Rate Type
Fixed
Suncoast Community Heroes 15 Year Fixed
APR*
as low as
7.250 %
Rate Type
Fixed
Suncoast Community Heroes 10 Year Fixed
APR*
as low as
7.000 %
Rate Type
Fixed
Jumbo 30 Year Fixed
APR*
as low as
7.500 %
Rate Type
Fixed
3/3 ARM
APR*
as low as
6.000 %
Rate Type
Variable
7/1 ARM
APR*
as low as
6.750 %
Rate Type
Variable
First Time Homebuyer 10/1 ARM
APR*
as low as
6.500 %
Rate Type
Variable
Mobile Home & Land 12 Year Fixed
APR*
as low as
8.500 %
Rate Type
Fixed
Mobile Home & Land 20 Yr 5/1 ARM
APR*
as low as
8.250 %
Rate Type
Variable
Residential Lot Loan Fixed
APR*
as low as
7.750 %
Rate Type
Fixed
Residential Lot Loan ARM
APR*
as low as
6.750 %
Rate Type
Variable
Additional Information
-
30 Year Fixed
- Available for Florida properties Only.
- Requires Escrow.
- 6 Month Rate Lock available on 30 Year Fixed.*
- PMI required for LTVs greater than 80%.
- Max Loan amount for one unit is $647,200.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal.
- Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
20 Year Fixed
- Available for Florida properties Only.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max Loan amount for one unit is $647,200.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal.
- Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
15 Year Fixed
- Available for Florida properties Only.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max Loan amount for one unit is $647,200.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal.
- Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
10 Year Fixed
- Available for Florida properties Only.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max Loan amount for one unit is $647,200.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal.
- Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
Suncoast Community Heroes 30 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $550,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
Suncoast Community Heroes 20 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $550,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
Suncoast Community Heroes 15 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $550,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
Suncoast Community Heroes 10 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $550,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
Jumbo 30 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $2 Million with minimum loan amount of $726,201.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
3/3 ARM
- Available for properties in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $1 million.
- Suncoast will pay up to $3,000* towards closing costs.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
7/1 ARM
- Available for properties in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $1 million.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
-
First Time Homebuyer 10/1 ARM
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- No Manufactured or Duplex property types.
- Reduced Origination fee of $500.
- Max loan amount of $450,000.
- Suncoast will contribute up to $3,000* towards closing costs.
- The interest rate will remain the same for the initial term of the loan (10 years). At the end of the initial term, rate will be subject to change annually no more than 2% each year. The lifetime cap of adjustment is 6% above initial rate. Approval subject to product guidelines for First Time Homebuyer 10/1 ARM mortgage. Must be owner occupied.
-
Mobile Home & Land 12 Year Fixed
- Available for Florida properties only.
- Max LTV is 80%.
- Requires Escrow.
- No cash-out refinances.
- Max loan amount $100,000.
- Property cannot be part of a Co-Op.
- Available for purchase or rate/term refinances only.
- Mobile home must be on subject property, set-up and utilities must be operating prior to closing.
- Must be owner occupied upon closing.
-
Mobile Home & Land 20 Yr 5/1 ARM
- 12 year fixed rate or 20 year 5/1 ARM.
- Available in Florida only and primary residence only.
- Escrows Required
- Available for purchases or rate/term refinances only.
- Mobile Homes that are part of a Co-Op are not eligible.
- No cash-out refinances.
- Modifications are not permitted, refinance required to obtain a new product and rate.
-
Residential Lot Loan Fixed
- 12 year fixed rate term.
- Available in Florida only.
- Available for purchases only.
- Max loan amount $300,000
- Max LTV is 70% of the appraisal value or purchase price, whichever is less.
-
Residential Lot Loan ARM
- 12 year adjustable rate term.
- Available in Florida only.
- Available for purchases only.
- Max loan amount $300,000
- Max LTV is 70% of the appraisal value or purchase price, whichever is less.
Suncoast Lock and Shop locks your interest rate for up to 60 days on a Pre-Approval while you shop for a home to purchase. Provided Suncoast receives a fully executed sales contract and your Intent to Proceed (“Receipt Date”) within the 60 day lock period, your rate will be extended up to an additional 45 days from the Receipt Date to allow for closing. After Suncoast receives both your fully executed sales contract and Intent to Proceed, you will have one opportunity to float-down your interest rate no later than 15 days prior to your scheduled closing date. Suncoast reserves the right to cancel this offer at any time. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of Suncoast Credit Union. This is not a commitment to lend. Available for the purchase of primary residences located in Florida only. Not available for Mobile Home and Land loans. Membership required. All mortgage loans are subject to qualification, including, but not limited to, credit, income and asset validation.
*Please note, effective March 26th, 2020, our On-Time Closing Guarantee is being suspended. Due to the evolving and fluid circumstances surrounding the COVID-19 pandemic and its impact on the mortgage supply chain, turn-times remain uncertain. When we return to a more normal market, we will revisit the program and reinstate as appropriate. Thank you for your patience and understanding during these unprecedented times.
**Suncoast will contribute up to $1,000 (Closing Costs Benefit) toward your closing costs when you select our fixed or variable rate home equity product loan on your primary residence. Suncoast will not pay closing costs for discount points to obtain a lower rate or monies necessary to establish escrow accounts (taxes and insurance). If the loan is paid in full or the line of credit closed within 25 months of the first payment due date, Suncoast will collect the closing costs paid on your behalf in the payoff. The 25 month term begins with the first payment due date of the loan. Not to be combined with any other offers.

Get Pre-Approved
Get pre-approved by starting your loan application at the Suncoast Online Mortgage Center now, even if you're still looking for the perfect home.

Help the Planet and Your Pocket
From your car to your home or business, eco-friendly upgrades can save you money. And Suncoast can help you finance your green lifestyle.