Home Loans

From home improvement needs to buying a mobile home, we offer home loan options to meet your needs. Our loan rates are low, and our customer service is always exceptional.

Select a Service:

  • Compare Home Equity, Home Improvement and Mobile Home Loans

    When you need a loan, we have options to meet your needs. If you need a home equity, home improvement or mobile home loan, check out our table below to see which option works best.

    If you’re trying to figure out home equity line of credit amount you may qualify to receive, our home equity line of credit calculator can help you out.

    Limited Time Low Fixed Rates on Home Equity Loans

    Home equity loans let homeowners leverage the equity in their homes to borrow money. It’s a great way to fund your home improvement projects. Or if you want to pay off credit card balances or consolidate debt, a home equity loan can simplify your life with a single payment and a lower interest rate.

    Get up to $1,000 off of closing costs* when you get a home equity loan with Suncoast. And for a limited time only, our low home equity loan rates are even lower! It’s our lowest fixed home equity loan rate in years, so it’s the perfect time to get the most out of your home equity.

    Take advantage of our low rates for home equity loan or HELOC options.

Choose a Product:

APR*
as low as

APR*
as low as

Annual Percentage Rate

Rate Type

Rate Type

Fixed or Variable

Max Term**

Max Term**

Equity Line of Credit 180 mos.

APR*
as low as

4.000 %

Rate Type

Variable

Max Term**

180 mos.

Home Equity 5 Years 60 mos.

APR*
as low as

3.000 %

Rate Type

Fixed

Max Term**

60 mos.

Home Equity 10 Years 120 mos.

APR*
as low as

3.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Equity 15 Years 180 mos.

APR*
as low as

4.000 %

Rate Type

Fixed

Max Term**

180 mos.

Home Equity 20 Years 240 mos.

APR*
as low as

4.000 %

Rate Type

Variable

Max Term**

240 mos.

Home Improvement 5 Year Signature Loan 60 mos.

APR*
as low as

8.000 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement 10 Year Signature Loan 120 mos.

APR*
as low as

8.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 5 Year 60 mos.

APR*
as low as

6.500 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement Secured 10 Year 120 mos.

APR*
as low as

7.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 20 Year 240 mos.

APR*
as low as

5.500 %

Rate Type

Variable

Max Term**

240 mos.

New Mobile Home Fixed 120 mos.

APR*
as low as

4.375 %

Rate Type

Fixed

Max Term**

120 mos.

Used Mobile Home Fixed 120 mos.

APR*
as low as

4.875 %

Rate Type

Fixed

Max Term**

120 mos.

Additional Information

  • Equity Line of Credit
    • Competitive interest rates and flexible terms.

    • Suncoast pays up to $1,000 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.

    • Up to 100% loan-to-value available for qualified borrowers.

    • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.

    • Annual Percentage Rate may vary over time.
    • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the Equity Line of Credit (80% or less HCLTV) or 5.50% for the High LTV (greater than 80%) Equity Line of Credit. The index is the Wall Street Journal Prime Rate.
    • Maximum LTV is 100%.
    • LTV's from 80.01% - 100% may qualify for our High LTV Equity Line of Credit product. Rate will be higher than the standard Equity Line of Credit.
    • Loans available on primary residences in Florida only with homestead
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Home Equity 5 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Up to 100% loan-to-value available for qualified borrowers.
    • No Annual or Transaction Fees.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
    • Maximum LTV is 100%.
    • LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) Home Equity product. Rate will be higher than standard Home Equity product.
    • Loans available on primary residences in Florida only with homestead.
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Home Equity 10 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Up to maximum 80% loan-to-value available for qualified borrowers.
    • No Annual or Transaction Fees.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
    • Loans available on primary residences in Florida only with homestead.
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Home Equity 15 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Up to 100% loan-to-value available for qualified borrowers.
    • No Annual or Transaction Fees.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
    • Maximum LTV is 100%.
    • LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) Home Equity product. Rate will be higher than standard Home Equity product.
    • Loans available on primary residences in Florida only with homestead.
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Home Equity 20 Years
    • Competitive interest rates and flexible terms.

    • Suncoast pays up to $1,000 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.

    • Up to 100% loan-to-value available for qualified borrowers.

    • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.

    • Annual Percentage Rate may vary over time.
    • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the standard 20 year Home Equity Variable Rate Loan or 5.50% for the High LTV (greater than 80% LTV) 20 year Home Equity Variable Rate Loan. The index is the Wall Street Journal Prime Rate.
    • Maximum LTV is 100%.
    • LTV's from 80.01% - 100% may qualify for our High LTV 20 year Home Equity Variable Rate Loan product. Rate will be higher than the standard Home Equity Variable Rate Loan product.
    • Loans available on primary residences in Florida only with homestead
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Home Improvement 5 Year Signature Loan
    • No equity in property required.
    • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
    • Maximum loan amount $10,000.
  • Home Improvement 10 Year Signature Loan
    • No equity in property required.
    • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
    • Maximum loan amount $10,000.
  • Home Improvement Secured 5 Year
    • Credit Union pays up to $1,000.00 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • No Annual or Transaction Fees.
    • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
    • Typical closing costs range from $230 to $994.
    • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
    • Lower standard Home Equity and High LTV Home Equity Loan rates available for LTV's of 100% or less.
    • Loans available on primary residences in Florida only with homestead.
  • Home Improvement Secured 10 Year
    • Credit Union pays up to $500.00 toward closing costs.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • No Annual or Transaction Fees.
    • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
    • Typical closing costs range from $230 to $994.
    • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
    • Maximum LTV is 133%.
    • Lower standard Home Equity and High LTV (80.01-100%) Home Equity Loan rates available for LTV's of 100% or less.
  • Home Improvement Secured 20 Year
    • Credit Union pays up to $1,000.00 toward closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
    • Annual Percentage Rate may vary over time.
    • Maximum interest rate is 6% above initial rate. Subject to 5.50% floor. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .5% percentage point at each adjustment.
    • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
    • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • New Mobile Home Fixed
    • Loans must be for primary residence only.
    • The maximum loan amount is $50,000; 75% of purchase purchase price, excluding sales tax and other charges or 75% of NADA retail value (whichever is less).
  • Used Mobile Home Fixed
    • Loans must be for primary residence only.
    • The maximum loan amount is $30,000; 75% of purchase purchase price, excluding sales tax & other charges or 75% of NADA retail value, whichever is less, when purchase price exceeds $5,000.