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Information For First-Timers

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

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.

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

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Today's Rates
Today's loan rates
30 Year Fixed
Interest Rate3.375%Discount Points0APR3.420%Payment Amount$663
Suncoast Community Heroes 30 Year Fixed
Interest Rate3.375%Discount Points0APR3.420%Payment Amount$663
30 yr Jumbo Fixed
Interest Rate3.375%Discount Points0APR3.383%Payment Amount$3,537
Interest Rate2.750%Discount Points0APR2.894%Payment Amount$612
15 Year Fixed
Interest Rate2.625%Discount Points0APR2.705%Payment Amount$1,009