Mortgages at Suncoast

Make your home dreams a reality. Suncoast’s mortgage solutions offer low rates, low closing costs, and the personalized services you need to easily finance or refinance your home.

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    Get Pre-ApprovedA smiling family outside of a new house
    ^ Suncoast will contribute up to $3000 towards closing costs (Closing Costs Benefit) when the 3/3 Right Time ARM product is selected for the purchase or refinance of a primary residence. 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.
    ^^ 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.


    ^^^ Florida primary residence only; end loans only; not available for construction financing nor to payoff construction financing. Member must provide a fully executed sales contract signed by all parties. No lock in fee required; member has the option to float down one time no later than 15 days prior to the scheduled closing date. By electing the float down option, the original lock expiration date will not change. What is an End Loan? This is NOT a construction loan; typically, a smaller custom builder will require a construction loan and a large commercial builder (Lennar, Toll Brothers, D.R. Horton, Pulte, Taylor Morrison, M/I Homes, KB Homes, GL Homes to name a few) will allow end loans. Construction loans are closed before construction begins, and end loans close when you move into your home. Beyond the earnest money deposit at the signing of the contract, the builder does not typically collect any funds from the buyer until the completion of the home.