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To qualify for HARP refinance, an individual's loan must meet the following criteria:

  • Owned or guaranteed by Fannie Mae.
  • Must have a note date of May 31, 2009 or prior and have been sold to Fannie Mae.
  • Have no late payments within the last 6 months, and no more than one in the last 12 months.
  • If your loan is currently serviced by another lender and you do NOT currently pay mortgage insurance on your loan, you may be eligible for HARP refinance regardless of your home's value.
  • If your current loan is serviced by Suncoast Credit Union, you may be eligible for HARP refinance regardless of your home's value.

To see if your mortgage qualifies for a HARP
refinance with Suncoast, click the link below.

Are you interested in a Home Affordable Refinance Program (HARP) Loan? This program expires December 31, 2018.

Click Here

Thanks for visiting the Suncoast Online Mortgage Center. Discover today why securing a home loan from Suncoast 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 pages 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.

In compliance with the Secure and Fair Enforcement of the Mortgage Licensing Act, also known as the SAFE ACT, Suncoast Credit Union, upon request, will provide you with any of our mortgage originators NMLS identification number. The major purpose of the SAFE Act is to increase consumer protection and awareness by allowing consumers access to mortgage loan originator information with whom they wish to conduct business. You may access information at the nationwide mortgage licensing registry at

Suncoast Credit Union
NMLS ID # 417636