Find, Finance or Sell Your Home

Suncoast Credit Union ReviewsSuncoast's suite of services is designed to meet all of your home needs, from realty solutions to help you buy or sell a home to mortgage services to make financing a new home or refinancing an existing property a lot more affordable.

Select a Service:

  • On-time closing guaranteed

    Featured Mortgages

    Suncoast has mortgage loan options to meet your specific needs! Check out some of our featured mortgages and special offers.

    We’ll Meet Your Closing Date or We’ll Credit You Up to $1,000*

    Get peace of mind with our on-time closing guarantee! We’re committed to meeting your closing date or we’ll credit you up to $1,000*. Our local team of mortgage experts will guide you through our seamless loan process so you can focus on moving into your new home.

    Suncoast has mortgage loan options to meet your specific needs! Check out some of our featured mortgages and special offers.

    Suncoast Community Heroes Mortgage

    From school employees and military to nurses and first responders, the Community Heroes Mortgage is here to help the people who work so hard to help our community.

    Costs can quickly add up when buying a house. We want to help our local heroes save money with our 30, 20, 15 and 10 year fixed rate mortgage options or 3/3 and 7/1 adjustable rate mortgage options.

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

    Suncoast will also pay up to $3,000 toward your qualifying closing costs when you purchase or refinance your primary residence with our Heroes 3/3 ARM. These programs are only available in Florida.



    Save Up to $3,000 on Your Closing Costs

    Our 3/3 Right Time ARM or our Heroes 3/3 ARM can help you save money and contribute up to $3,000 toward your closing costs!**

    Let us help make it affordable to purchase or refinance your primary residence with our 3/3 Right Time Adjustable Rate Mortgage (ARM).

    • Get the dream home you want while you save money on your mortgage and closing costs
    • Up to 100% financing
    • Suncoast will pay up to $3,000 of your qualifying closing costs when you choose the 3/3 Right Time ARM mortgage
    • Maximize your purchasing power by choosing a lower rate ARM with a lower initial payment



    First Time Homebuyer 10/1 ARM

    Suncoast has enhanced our First Time Homebuyer 10/1 ARM program to expand opportunities for new homebuyers.***

    • Maintain your interest rate for at least 10 years
    • Up to 97% financing available
    • Save on your monthly payments since private mortgage insurance isn’t required
    • Ask us how you may qualify with as little as 1% of your own funds when combined with a 2% gift from an immediate family member



    7/1 ARM

    Maximize your qualified loan amount with our 7/1 ARM.

    • Up to 95% financing
    • Initial interest rate remains the same for 7 years
    • Allows for higher loan amount qualification and enhanced buying power



    Save up to $500 on Your Appraisal Fee

    Save money on your appraisal fee! When you apply and get pre-approved for a first mortgage purchase application without a property address, you’ll receive a lender credit of (up to) $500 towards your appraisal fee!****

    This is a limited time offer, so don’t miss out!



    For more information and additional loan options, visit our Online Mortgage Center.

    *On-Time Closing Guarantee is available only for approved loans to finance the purchase of owner-occupied 1-2 unit residences in the state of Florida. Loans subject to creditworthiness and other terms and conditions. Application date means the date upon which Suncoast shall have received the applicant's completed application and a copy of the fully executed sales contract. Guaranteed closing date means the later of (1) the date which is thirty (30) calendar days after the Application Date or (2) the closing date identified in the Sales Contract. Shall not be combined with any other offers. Excludes mobile or manufactured homes, loans that include any subordinate financing or loans where applicant is seeking Down Payment Assistance from any governmental agency. Credit to be applied at closing. Additional terms and conditions apply. Please refer to Guaranteed Closing Date Agreement for all other terms and conditions. Program is subject to change or cancellation without notice. This is not an offer to extend credit.

    **Suncoast will contribute up to $3000 (Closing Costs Benefit) toward your closing costs when you select our 3/3 Right Time ARM product or the HEROES 3/3 ARM product for the purchase or refinance of 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 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 “Lenders Credits” on the Closing Disclosure. The 24 month term begins with the first payment due date of the loan. All Sellers paid closing costs will be credited prior to any credits for the Closing Cost Benefit to be provided by Suncoast. Not to be combined with any other offers.

    ***Please note the maximum household income permitted to qualify for this program is 150% of the HUD Area Median Income in the county in which the property is located. You must complete a Suncoast approved First Time Homebuyer class and provide the certificate of completion prior to closing. Visit to locate a local class in the county of the property being purchased or complete an online course offered by Fannie Mae. There is an up-front, non-refundable fee for the online class charged by, and paid directly to Fannie Mae. Visit the Fannie Mae online course website at

    ****Member must submit a fully executed sales contract to Suncoast’s Mortgage Originations team within 60 days of the date of the pre-approval. The sales contract must provide for at least 45 days for closing from the date Suncoast’s Mortgage Originations teams receives the fully executed contract. Payment of the $20 credit report fee is required. Not to be combined with any other efforts.


    Mortgage Process

    Learn more about the mortgage process and how to get started at the Suncoast Online Mortgage Center.


    Check Today's Rates

    We offer some of the best rates in the business. Check today's rates at the Suncoast Online Mortgage Center.


Home Improvement Loan


Suncoast offers home improvement loans for projects of all sizes, and with rates as low as 5.50% APR*, making your dream home a reality is more achievable than ever.

*Annual Percentage Rate. Loan amount is determined by the written estimates. Suncoast will pay up to $500 in closing costs. All loans subject to credit and underwriting guidelines. Limitations and improvement type exclusions may apply.