Suncoast Community Heroes Fixed Mortgages

Our Community Heroes is ideal to help everyday heroes achieve their home ownership dreams and benefit from low fixed rate and adjustable rate mortgage options.

Two community heroes holding a miniature house

Special Mortgage and Refinance Options for Everyday Heroes

Benefits of Community Heroes Mortgage

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    Community Heroes Fixed Rate Mortgage FAQ

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    ^The subject property must be the member’s primary residence. The member must contribute (and satisfactorily document accordingly as their own funds) a minimum of 3% towards either the down payment when receiving a gift of 2% from a qualified family member (if applicable) or closing costs, including escrows and pre-paids. 95% financing is only applicable to Single Family Homes and Townhomes. Mobile Homes and Lots are not eligible for this product. The members cannot retain ownership in any other financed residential property at time of closing. Program eligibility subject to change without notice. Additional requirements may apply for eligibility qualification. Please contact our Mortgage Call Center between the business hours of 8:00 a.m. and 7:00 p.m., Monday through Friday at 813-621-7511 or toll-free at 800-999-5887 ext. 87008 EST for additional information.


    ^^Rate Term Refinances allow a max cash back of $1,000 at closing. The Community Heroes loan product allows members to pay off the first mortgage (regardless of the company that holds the mortgage) and any SCU and outside lender trade lines up to 80% LTV. There are special seasoning requirements to payoff secondary or junior liens with proceeds of the new refinance. Secondary liens not meeting this seasoning test must be subordinated with the CLTV/HCLTV not to exceed 95%. Program eligibility subject to change without notice.


    ^^^ 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.
    ^^^^Since mortgage rates are subject to change on a daily basis, we offer a rate-lock policy on your loan that protects you against rising interest rates during the construction of your new home and your loan processing stage.
    Once you have met the requirements, your End Loan rate is locked for 180 days, and you will receive the rate as of that date. If rates decline, you also have one opportunity, during the processing of your loan, to relock your rate at no cost. You may request to re-lock the rate on any business day during loan processing, but no later than 15 days prior to the initial drawing of your loan closing documents.  Electing to re-lock your loan rate will not extend your original 180 day lock period.


    To request a rate lock or relock your rate, please contact our Mortgage Call Center between the business hours of 8:00 a.m. and 7:00 p.m., Monday through Friday at 813-621-7511 or toll-free at 800-999-5887 ext. 87008 or you may email your requests to Please include your name, the rate and mortgage product you are applying for and a contact phone number.
    A Lock-In Confirmation will be sent to you by the following business day from receipt of your request. Please sign the confirmation and return it so that we may validate your rate lock request has been completed.
    You have met the requirements for the rate lock and can lock-in your interest rate for 180 days if you: 1) Have submitted a completed SUNCOAST CREDIT UNION mortgage application, and 2) Have submitted a signed Real Estate Purchase Contract for the property you wish to purchase, and 3) Have provided your Intent to Proceed.