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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 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 Thank you for your membership and your business!

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.

Additional Services are available to help you save!

Members Title Agency, LLC is a subsidiary of Suncoast Credit Union and provides a wide range of insurance and closing services to expedite both commercial and residential real estate transactions. Learn more about Members Title Agency, LLC.

Members Insurance Center, LLC is a subsidiary of Suncoast Credit Union, as an independent agency, they represent several service-committed companies that provide a wide range of your personal insurance needs. Learn more about Members Insurance Center, LLC.

(Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.)

Thanks for visiting the Suncoast Credit Union Mortgage Center. Discover today why securing a home loan for Suncoast Credit Union is in your best interest!

Suncoast Credit Union Accessibility Statement

Since early 2017 and as part of Suncoast's Commitment to accessibility for persons with disabilities, Suncoast has been working to modify and update all of its core web page material and mobile application material to include enhanced features for improved accessibility. Suncoast is committed to making reasonable modifications to its web page and mobile application as requested by our members or otherwise as planned within Suncoast's website and mobile application remediation plan. So, while Suncoast works to improve the accessibility of its online environment, please pardon our digital "dust".

If during Suncoast's remediation you encounter a web page or element of our mobile application that is difficult to access, please contact us. For that purpose, Suncoast has created a process for investigating and responding to your accessibility concerns and/or questions. If you would like to contact us, please do so from our Contact Us page.

  • 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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