In a real estate market as challenging as this one, expert guidance is a must.
Seacoast offers a variety of mortgage loans with competitive mortgage rates backed by our team of experienced mortgage lenders. If you are interested in lower interest rate options, work with one of our local expert Florida Mortgage Loan Officers to find the right loan at the best mortgage rate for you!
Today's Mortgage Rates
Rates as of 7/18/2025
| Fixed Rate Loans |
Interest Rate1 |
APR2 |
Get Started |
| 30 Year Fixed |
6.375% |
6.585%3 |
|
| 15 Year Fixed |
5.750% |
6.103%4 |
|
| 30 Year Fixed Jumbo (loans greater than $806,500) |
6.125% |
6.280%5 |
|
1. Interest rates and pricing may vary based on risk-based pricing adjustments such as credit score, loan-to-value, occupancy, and additional factors based on loan program. Interest rates are subject to change without notice.
2. APR=Annual Percentage Rate. The cost of credit as a yearly rate.
3. The quoted APR is based on a 60-day interest rate lock period with 0.750% discount points and assumes the following loan level characteristics: $225,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage Insurance may be required if loan-to-value is greater than 80%. Maximum loan amount is $806,500. Terms of repayment: 360 monthly payments of $1,403.71 at an APR of 6.585%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
4. The quoted APR is based on a 60-day interest rate lock period with 0.875% discount points and assumes the following loan level characteristics: $225,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage insurance may be required if loan-to-value is greater than 80%. Maximum loan amount is $806,500. Terms of repayment: 180 monthly payments of $1,868.42 at an APR of 6.103%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
5. The quoted APR is based on a 60-day interest rate lock period with 0.875% discount points and assumes the following loan level characteristics: $850,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage insurance may be required if loan-to-value is greater than 80%. Minimum loan amount is $806,501 and maximum loan amount is $2 million. For loan amounts greater than $2 million, please contact your local Seacoast lender. Terms of repayment: 360 monthly payments of $5,164.69 at an APR of 6.280%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
Seacoast Bank NMLS#: 608046
We offer a wide range of mortgages to meet the needs of any home buyer.
Complete the form below and a member of our mortgage lending team will be in touch.
You can secure a lower mortgage rate by improving your credit score, increasing your down payment, choosing a shorter loan term or exploring rate discounts through Seacoast Bank’s personalized mortgage solutions
Finding the best mortgage rate in Florida starts with knowing where to look – and how to compare. At Seacoast Bank, we’re here to help you make confident, informed decisions. Compare daily updated rates on Seacoast Bank’s mortgage rates page and connect with a local Mortgage Loan Officer to find a rate tailored to your financial goals.
A 30-year fixed loan is a standard mortgage where you pay back your loan over 30 years with a fixed interest rate, so your monthly payments stay the same for the entire term.
A 15-year fixed loan works the same way, but you pay it off in 15 years. This means higher monthly payments, but less interest paid overall because the loan term is shorter.
A 30-year jumbo loan is also a 30-year mortgage with a fixed rate, but the loan amount exceeds conforming loan limits set by Fannie Mae and Freddie Mac (these limits vary by region but are generally higher than standard loans). Jumbo loans often have stricter qualification requirements and sometimes higher interest rates due to the larger loan amount and increased risk to the lender.
The best loan for a first-time homebuyer often depends on your financial situation, but many choose:
Conventional Loans with Low Down Payment Options
These loans often require as little as 3% down and offer competitive rates for buyers with good credit.
FHA Loans
Backed by the government, FHA loans are popular with first-time buyers because they allow lower credit scores and down payments as low as 3.5%.
First-Time Homebuyer Programs
Seacoast Bank and many state or local agencies offer special programs with down payment assistance, reduced fees or lower interest rates.
Communication always prompt and thorough. Our Loan Officer was exceptional. She was so helpful and patient with answering our multiple questions.
I have been a Seacoast customer for over ten years and have always received great personalized customer service!
I want to express my sincere gratitude for your assistance with my home loan...Your professionalism and patience to process all the documents in timely manner to meet my closing date deadlines need a special applause.
This was my second time using Seacoast loan services and everything went as smooth the second time as the first! I'm now on my third purchase with Seacoast as we speak.
Equal Housing Lender. Member FDIC. NMLS# 608046
1. Interest rates and pricing may vary based on risk-based pricing adjustments such as credit score, loan-to-value, occupancy, and additional factors based on loan program. Interest rates are subject to change without notice.
2. APR=Annual Percentage Rate. The cost of credit as a yearly rate.
3. The quoted APR is based on a 60-day interest rate lock period with 0.750% discount points and assumes the following loan level characteristics: $225,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage Insurance may be required if loan-to-value is greater than 80%. Maximum loan amount is $806,500. Terms of repayment: 360 monthly payments of $1,403.71 at an APR of 6.585%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
4. The quoted APR is based on a 60-day interest rate lock period with 0.875% discount points and assumes the following loan level characteristics: $225,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage insurance may be required if loan-to-value is greater than 80%. Maximum loan amount is $806,500. Terms of repayment: 180 monthly payments of $1,868.42 at an APR of 6.103%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
5. The quoted APR is based on a 60-day interest rate lock period with 0.875% discount points and assumes the following loan level characteristics: $850,000 loan amount, 70% loan-to-value, 740 credit score, Purchase of a primary residence, single-family dwelling with typical Seacoast Bank closing costs. Property insurance required. Flood insurance may be required. Mortgage insurance may be required if loan-to-value is greater than 80%. Minimum loan amount is $806,501 and maximum loan amount is $3 million. For loan amounts greater than $3 million, please contact your local Seacoast lender. Terms of repayment: 360 monthly payments of $5,164.69 at an APR of 6.280%. Payments do not include applicable taxes and insurance, therefore the actual obligation will be greater. Other conditions apply. Subject to credit approval.
Seacoast Bank NMLS#: 608046
