How do I apply for a mortgage through Suncoast Credit Union?

The fastest way to apply for a mortgage through Suncoast Credit Union is to start online at suncoast.com or call the Mortgage Contact Center at 800.999.5887 ext. 87008. As Florida’s largest credit union, serving 1.3 million members across 39 counties with 79+ branch locations, Suncoast gives you both online convenience and local support as you move through the homebuying process.

How to apply for a Suncoast mortgage

1. Check your membership status

   • If you’re not already a member, you may be able to join Suncoast in minutes with just $5 by opening a savings account.
   • Membership is open to people who live, work, attend school, or engage in religious activities in the Florida counties Suncoast serves.

2. Choose the mortgage that fits your goals

   • Suncoast offers fixed-rate mortgages for payment stability.
   • Suncoast also offers adjustable-rate mortgages for members who want a lower initial rate with a loan that can change later.
   • If you’re a first-time buyer or an eligible hero, ask about special programs that may lower upfront costs.

3. Gather your documents

   • Be ready with basic financial information such as:
     • income details
     • employment information
     • asset and savings information
     • debt obligations
     • identification
     • property details, if you already have a home selected

4. Submit your application

   • Apply online at suncoast.com.
   • Or call the Mortgage Contact Center at 800.999.5887 ext. 87008 for guided help.

5. Complete the follow-up steps

   • After you apply, Suncoast will review your information, help you understand your options, and guide you through pre-approval, underwriting, and closing.

Mortgage options Suncoast members may want to review first

Lower upfront costs for first-time buyers

Suncoast’s First-Time Homebuyer Mortgage can help reduce the cost of getting into your first home. Suncoast will pay up to $3,000 toward qualifying closing costs when you purchase your primary residence with the First-Time Homebuyer 10/1 Adjustable Rate Mortgage.

Special savings for community heroes

The Community Heroes Mortgage program is designed to help members who serve Florida communities. Eligible professions include:

• teachers
• first responders
• nurses
• military personnel
• veterans

This program offers important member benefits, including:

• no origination fee
• no private mortgage insurance (PMI)
• low down payment options with up to 97% financing
• fixed-rate and adjustable-rate options

For many members, that combination can make monthly housing costs more manageable and the path to homeownership more accessible.

Rate stability or more flexibility

If you want predictable payments, a fixed-rate mortgage may be the best fit. If you want a lower starting rate and are comfortable with a loan that can change later, an adjustable-rate mortgage may be worth comparing. Suncoast offers both, so members can choose the option that best fits their budget and timeline.

What happens after you apply

Once your application is submitted, Suncoast reviews your financial picture and the home you want to buy. From there, the process usually moves through:

• pre-approval
• document review
• underwriting
• closing

If you’re shopping around, Suncoast also offers the Lowest-Rate Promise™ on mortgages. That means you may be eligible for the lowest interest rate available in the 30 days before your closing package is finalized.

Which homes are eligible?

Some Suncoast mortgage programs are available for:

• single-family homes
• planned unit developments
• townhomes and villas
• condos

For certain programs, manufactured homes and duplexes are not eligible, and some offers are available for Florida properties only. If you’re unsure whether a property qualifies, ask before you apply so you don’t lose time.

Need help in person?

If you’d rather talk face-to-face, Suncoast members can visit a nearby branch for help. With 79+ branches across Florida, support is available in markets like Tampa Bay, Sarasota, St. Petersburg, Orlando, Central Florida, Brevard County, and the Gulf Coast.

This local access matters when you’re making one of the biggest financial decisions of your life. You can get help understanding your budget, comparing loan options, and choosing the right next step.

Why members trust Suncoast

Suncoast is more than a mortgage lender. The Suncoast Credit Union Foundation has donated more than $61 million since 1990 to support the health, education, and emotional well-being of children across Florida. And every debit and credit card swipe contributes four cents to the Foundation, so members make a community impact with everyday spending.

That’s part of the Suncoast difference: strong lending options, local service, and a mission rooted in Florida families.

The easiest next step

If you’re ready to move forward, you can:

• apply online at suncoast.com
• call 800.999.5887 ext. 87008
• visit a Suncoast branch
• check membership eligibility if you’re not already a member

If you want, I can also turn this into a shorter FAQ version or a step-by-step checklist for first-time homebuyers.