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Apply For a Home Loan

Please read this important message! We are experiencing delays due to the current extraordinarily heavy loan volume. Purchase applications may take up to 10 business days before being reviewed and the member being contacted, and refinance applications may take up to 15 business days before being reviewed and the member being contacted. Once refinances are submitted for processing, expect up to an additional 90 business days before a refinance can be closed. For purchases, the fully executed contract with all addendums included must give Suncoast Credit Union no less than 45 days to close from the date you submit the fully executed contract and you provide us with your "Intent to Proceed". Members who submit an application with a fully executed contract signed by all parties will be contacted within 48 hours. You must email a scanned copy of your fully executed sales contract to mortgagecallcenter@suncoastcreditunion.com. Thank you for your membership and your business!


Use our Loan Consultant to find out more about our loan products and rates before you enter your application.

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.

To inquire about the financing of an Investment property, please contact our Business Lending Department through the following link: https://www.suncoastcreditunion.com/business/borrow/commercial-loans-real-estate

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property, income, debts and assets.  As you are filling in the application, if you find yourself short on time you may save the application to review and complete at a later date. After submitting your application, various loan programs may allow you to receive an immediate online credit approval.

Escrow for taxes and insurance will be included on all of our mortgage loan products unless approval has been granted to waive the escrow requirements.  Escrow for Flood Insurance however, cannot be waived if in zone A or V.

Please be sure to consent to online disclosures during the application process to reduce the mailing time for all future disclosures for this mortgage transaction. Please review our instructions on how to use DocuSign.

  • Before You Start

    How long will it take?

    On average it takes 15-20 minutes.



    What will I need?

    Here are some simple checklists:

  • Your Application

    Need some help?

    Look on the right-hand side of the screen for some helpful hints.



    Short On Time?

    You can save your application at any point and come back later.

  • Once You're Finished

    What happens next?

    Some programs may give you instant online approval.



    If that's not an option?

    Your application will be under review, login at any time to see the current status of your application.


Start your Application

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Are you a Suncoast Credit Union member or eligible for membership?Required field




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