Mortgage loans are originated by Suncoast Credit Union and are subject to subject to credit union membership and approval, credit approval, verification, and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. ARM Products have an initial period with a fixed rate, then a variable rate that can increase or decrease annually for the rest of the term.
Suncoast Community Heroes 30 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $2,000,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
- To qualify for the Heroes program, member must be an ACTIVE, paid full-time employees of: Public or Private Schools (K-12 and Post-Secondary), all Fire Department employees; all Federal/State/County/Local Law Enforcement Agency employees; Emergency Medical Technicians (EMT), Paramedics, Nurses (RN, LPN, APN, NP, BSN, MSN); all military personnel (active, reservists or National Guard); Surviving spouses of qualifying military member, Federal/State/County/Local Law Enforcement Officers and Firefighters who lost their lives during active service; Veterans (excluding Veterans discharged for Bad Conduct or Dishonorable Discharge); Federal/State/County/Local Law Enforcement/Firefighters on disability or retired due to an injury that occurred while active duty; and Full or Part-time Suncoast Employees.
Suncoast Community Heroes 20 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $2,000,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
- To qualify for the Heroes program, member must be an ACTIVE, paid full-time employees of: Public or Private Schools (K-12 and Post-Secondary), all Fire Department employees; all Federal/State/County/Local Law Enforcement Agency employees; Emergency Medical Technicians (EMT), Paramedics, Nurses (RN, LPN, APN, NP, BSN, MSN); all military personnel (active, reservists or National Guard); Surviving spouses of qualifying military member, Federal/State/County/Local Law Enforcement Officers and Firefighters who lost their lives during active service; Veterans (excluding Veterans discharged for Bad Conduct or Dishonorable Discharge); Federal/State/County/Local Law Enforcement/Firefighters on disability or retired due to an injury that occurred while active duty; and Full or Part-time Suncoast Employees.
Suncoast Community Heroes 15 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $2,000,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
- To qualify for the Heroes program, member must be an ACTIVE, paid full-time employees of: Public or Private Schools (K-12 and Post-Secondary), all Fire Department employees; all Federal/State/County/Local Law Enforcement Agency employees; Emergency Medical Technicians (EMT), Paramedics, Nurses (RN, LPN, APN, NP, BSN, MSN); all military personnel (active, reservists or National Guard); Surviving spouses of qualifying military member, Federal/State/County/Local Law Enforcement Officers and Firefighters who lost their lives during active service; Veterans (excluding Veterans discharged for Bad Conduct or Dishonorable Discharge); Federal/State/County/Local Law Enforcement/Firefighters on disability or retired due to an injury that occurred while active duty; and Full or Part-time Suncoast Employees.
Suncoast Community Heroes 10 Year Fixed
- Available for Florida properties only.
- Requires Escrow.
- No Private Mortgage Insurance (PMI) required.
- Max loan amount for one unit is $2,000,000.
- Must be owner occupied.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
- To qualify for the Heroes program, member must be an ACTIVE, paid full-time employees of: Public or Private Schools (K-12 and Post-Secondary), all Fire Department employees; all Federal/State/County/Local Law Enforcement Agency employees; Emergency Medical Technicians (EMT), Paramedics, Nurses (RN, LPN, APN, NP, BSN, MSN); all military personnel (active, reservists or National Guard); Surviving spouses of qualifying military member, Federal/State/County/Local Law Enforcement Officers and Firefighters who lost their lives during active service; Veterans (excluding Veterans discharged for Bad Conduct or Dishonorable Discharge); Federal/State/County/Local Law Enforcement/Firefighters on disability or retired due to an injury that occurred while active duty; and Full or Part-time Suncoast Employees.
3/3 ARM
- Available for properties in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $2 million.
- Suncoast will pay up to $3,000^ towards closing costs.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
5/5 ARM
- Available for properties in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $2 million.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
7/1 ARM
- Available for properties in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
- Requires Escrow.
- PMI required for LTVs greater than 80%.
- Max loan amount for one unit is $2 million.
- Max LTV is 95% for qualified borrowers.
- Requested program loan-to-value may be decreased upon review of property appraisal. Discount points and/or interest rate may be based on selection of a lower rate, credit score, loan-to-value, cash out at time of refinance, number of units, subordination, and other program qualifications.
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