You're Not Alone When It Comes to Owning Your Own Home.

Let us help you unlock the door to home ownership.

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There's No Place Like Home. Especially When You Own It.

Whether you're purchasing a new home, refinancing your current one or making some improvements, Seacoast offers you a variety of choices and numerous benefits:
  • Low to no down payment
  • Competitive pricing
  • Various funding sources for down payment & closing costs
  • Lower mortgage insurance, increasing purchasing power
  • Mortgage insurance can be canceled once the loan amount qualifies
  • No credit history is required & minimum 600 credit score

Make Homeownership A Reality For You.

Owning a home is surprisingly affordable even on a modest income. Seacoast Bank provides a range of mortgage programs designed to turn your dream of homeownership into a reality.
woman sitting on couch in new home

Community Home Mortgage1

When it comes to homebuying, the less money you’re required to put down, the easier it is to move on up.

  • Low down payment-only 3%
  • No PMI (Private Mortgage Insurance)
  • Fixed rate (15- or 30-year)
  • 600 minimum credit score
  • No minimum contribution; gift funds permitted and some down payment assistance accepted
  • No credit history? Non-traditional credit may be allowed
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Veteran’s Administration (VA) Loan

Those who have served or are serving in the US Military have the opportunity to purchase or refinance a home with little or no money down. Loan limits may apply.

  • Zero down payment for loans up to $806,5002
  • No mortgage insurance
  • No maximum loan amount
  • Seller can contribute up to 4% of closing costs
  • Purchase, refinance or first-time homebuyer
Apply Now >
Veteran’s Administration (VA) Mortgage
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HomeReady® Mortgage3

Affordable homebuying opportunities for creditworthy low- and moderate-income borrowers. Low rates, reduced mortgage insurance costs and qualifying flexibility are available for public servants, military personnel and persons with disabilities.

  • Low mortgage rates
  • Limited cash for down payment
  • 620 minimum credit score
  • Higher credit scores can earn better rates
  • First-time or repeat homebuyers
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Federal Housing Administration (FHA) Loan

Offering the dual advantages of lower down payments and more flexible qualification requirements, FHA mortgages are great for first-time homebuyers and previous homeowners. A minimum down payment equal to 3.5% of the purchase amount is required.

  • No income limitations
  • Seller can contribute up to 6% of closing costs
  • Primary residences only
  • Flexible credit history
Apply Now >
Happy couple in new home
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Adjustable Rate Mortgage (ARM)

An ARM with an interest rate that can change over time due to market factors, typically features an introductory period of 3, 5 or 7 years in which you can lock in a low rate. This type of loan may be attractive if you foresee moving or upgrading within a few years.

  • Lower initial mortgage rates
  • Pay less and potentially afford more
  • Flexibility to refinance at the end of initial fixed-rate period
  • Rate and payment caps
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FHLB Home Mortgage Loans from SeacoastBank4

Offering a unique financial opportunity for current or retired law enforcement officers, educators, health care workers, firefighters and other first responders; veterans and active-duty members of the military or their surviving spouse; and COVID-related essential workers who are purchasing a home.

  • Access up to $10,000 to assist with the down payment, closing costs and rehabilitation costs
  • Contribute at least $1,000 toward the purchase of the home
  • Occupy the home as a primary residence
  • Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta
Apply Now >
FHLB Community Partners

Let Us Help You Open the Door to Home Ownership

Community Home Mortgage loans from Seacoast are specifically designed to help more people, including first-time buyers, make the dream of owning a home a reality.

1. Subject property must be a one- or two-unit detached single family primary home, townhouse or condominium. Manufactured homes are not permitted. Escrow required. Other restrictions may apply.

2. Not eligible on Seacoast OREO properties.

3. HomeReady® is a registered trademark of Fannie Mae.

4. Community Partners Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.

*Loans subject to credit approval. Some limitations may apply. Offer subject to change without notice.

Seacoast Bank NMLS# 608046
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© Seacoast National Bank. All rights reserved. EHL_HOUSEonlyWHITE-75x75v2 Equal Housing Lender. Member FDIC.
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