At Seacoast Bank, we're committed to helping you protect your home buying power with competitive rates and personalized support - every step of the way.
Rates as of 4/28/2026
Local Florida Mortgage Experts
Since 1926, Seacoast has helped make the dream of homeownership a reality. Connect with our Mortgage Loan Officers online, in person or over the phone.
Quick Closing
Fast closing means that we’ll get you into your new home as soon as possible.
Accurate Appraisals
A local underwriter means an accurate appraisal to ensure the value of your new home.
Step-By-Step Guidance
Our local experts are happy to provide hands-on guidance throughout the mortgage process.
Mortgage FAQ
A mortgage is an agreement between you (a borrower) and a bank or lender to buy or refinance a home without having all the cash up front. When you obtain a mortgage, you agree to:
The time it takes to pay off a mortgage will vary on the term of the loan. Many conventional mortgages offer 15 or 30-year repayment terms, but that duration can be shortened if you pay more than the minimum monthly payment each month.
Many lenders typically recommend that your housing costs make up no more than 30% of your annual pre-tax income. To estimate how much home you can afford consider the following details:
A mortgage is for those looking to buy a home, whereas a home equity line of credit (HELOC) is designed for those interested in tapping into their home's equity to pay for big expenses, such as home improvements, weddings and tuition. With both loan options, the home is pledged as collateral.
Seacoast Bank offers a variety of mortgage loan options including Fixed Rate Mortgages, Adjustable Rate Mortgages (ARM), Construction Loans, Jumbo Loans, Federal Housing Administration (FHA) Loans, Veteran's Administration (VA) Loans, USDA loans and Lot Loans.
Each loan option has its own distinct benefits and requirements, making it important to research the ones that align with your unique needs.
Thorough preparation is an important part of the mortgage loan process. In general, you'll want to complete the steps below when applying for a mortgage:
Though often used interchangeably, a distinct difference exists between being pre-qualified and pre-approved for a mortgage. Being pre-qualified is more high level and based on information from the buyer. On the other hand, pre-approval is more involved, as a mortgage application is needed. At this stage, the lender has reviewed the buyers' financial details and provided an idea of how much they can borrow.
The best mortgage options for you depends on your personal financial goals. Where you choose to live, how long you plan to stay in the home, and whether you've served in the US Military or not may impact which mortgage loan option you choose.
Private mortgage insurance (PMI) is a type of insurance that protects the lender if you default on your mortgage. It's typically required if you make a down payment of less than 20% on a conventional loan.
Yes, you can pay off your mortgage early! This is known as prepaying your mortgage. Benefits include saving on interest, financial freedom and building equity in your home. Potential drawbacks may include prepayment penalties if paid off in the first few years of the loan and reduced liquidity.
Mortgage rates may change frequently based on a variety of factors. Our mortgage rates page is updated daily, giving you piece of mind as you navigate the homebuying process.
The interest rate on a fixed rate mortgage does not change over the life of the loan, while an adjustable rate mortgage (ARM) has an interest rate that can change over time.
Yes. Maintaining a good credit score is important because it shows you can manage your debt well and make payments on time. A higher credit score is a signal to lenders that extending credit is less risky, usually leading to a more favorable mortgage rate. Your credit score is just one-way lenders check your financial health before approving a mortgage.
Monthly mortgage payments vary depending on the type of mortgage you choose, your down payment and the mortgage term. You can expect your exact monthly mortgage payments to be determined during the application process.
Our Mortgage Loan Calculator is a helpful tool to estimate your monthly mortgage payment.
The amount needed for a down payment will vary based on the type of mortgage loan you choose. Down payments can range anywhere between 3% to 20% of the total cost of the home.
There are many reasons homeowners choose to refinance their mortgages. From lowering interest rates and shortening their loan terms to tapping into home equity and changing the loan type, refinancing your mortgage is replacing your current mortgage with a new one. Before deciding on if refinancing is right for you, consider your personal financial situation and financial goals.
Applying for mortgage refinancing can be completed online or in bank or credit union branch. It's important to note, however, that applying for mortgage refinancing includes multiple steps. Before loan approval, lenders typically consider:
A lot loan is a loan used to purchase land where you plan to build a home. It allows you to secure the land now and build on it later, usually within 3–5 years.
Some fees may apply, such as origination fees and closing costs. Your loan officer will provide a detailed breakdown of any associated fees during the application process.
Typically, a lot loan is used to purchase a single parcel of land. However, we recommend speaking with our loan specialists for more information on buying multiple lots.
If the lot is located in a flood zone, flood insurance may be required. Our team will help determine this during the application process.
Seacoast Bank’s lot loans are specifically designed for residential construction. If you are looking to purchase agricultural land, it is best to discuss your options with one of our loan specialists.
Seacoast Bank offers a variety of mortgage lending options to help make the dream of homeownership possible. Connect with a member of the Seacoast Mortgage Lending team today for additional guidance and support.
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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 0.000% discount points and assumes the following loan level characteristics: $300,000 loan amount, 75% loan-to-value, 775 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 $832,750. Terms of repayment: 360 monthly payments of $1,847.15 at an APR of 6.363%. Payments do not include applicable taxes and insurance. 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 $832,750. Terms of repayment: 180 monthly payments of $1,823.55 at an APR of 5.719%. Payments do not include applicable taxes and insurance. Actual obligation will be greater. Other conditions apply. Subject to credit approval.
Seacoast Bank NMLS#: 608046
