Virginia Cearra

Virginia Cearra

Melbourne - Seacoast Bank


300 S Harbor City Blvd.
Melbourne, FL 32901

Mortgage Loans for Your Melbourne Home

At Seacoast National Bank, we are proud of all our team members and mortgage lenders, including Virginia Cearra. Her 15 years of experience means she has seen it all and can guide you through whatever kind of mortgage best suits your needs.


The Many Options at Seacoast

Financing your next mortgage with Seacoast means having access to a variety of options. Virginia has worked with home loans in the Brevard County area long enough to know all the ins and outs of this financial procedure. Some loans we offer include:

  • VA/FHA Mortgage
  • Construction to Perm/Renovation Mortgage
  • Conventional Mortgage
  • Doctor Mortgage
  • Lot Loan Mortgage

Beyond Home Buying

Virginia and the rest of our stellar staff are also available if you have needs beyond buying a home. With a lot loan, you can purchase property for later home construction. When you need financing for that project, we also have construction loans. If you are purchasing a fixer-upper or condemned property, there is also a renovation loan to get you started with the money needed for demolition and reconstruction of the home.

Our Community Promise

At Seacoast, we promise to invest in you and your community. Our mortgage lenders do the same. Virginia is involved in multiple community organizations, including the Parade of Homes and the Space Coast Association of Realtors. By maintaining community relationships and providing excellent financial advice, Virginia and Seacoast promise to do everything possible to create an enriching environment in Brevard County and the surrounding areas. When asking "Where are mortgage lenders near me?" know that Seacoast is the answer.

Call, Click or Chat to Learn More

Our comprehensive contact page provides many ways for you to get in touch and learn more about our lending and mortgage services. Our phone lines are open 24/7 or you can chat live directly on our website. Already worked with a mortgage lender? You can provide feedback via Facebook or Twitter. We hope to hear from you soon.


Fixed Rate Mortgage

Enjoy the stability of constant rates and payments with a Fixed Rate Mortgage from Seacoast.


Typically a great option for buyers not looking to stay in a new home for many years, or those who plan to make partial or full payoffs within a shorter period of time.


Federal programs, often requiring little or no money down, can help make the dream of home financing – and home ownership – available and affordable for many borrowers.

Mortgage Resources

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Mortgage Hub

Connect with a Local Mortgage Lender.

Are you interested in contacting a local, Florida banker to discuss your individual financial needs? We’d love to speak with you. 

Four Promises. One Goal.

At Seacoast Bank, everything we do is based upon core beliefs summarized in the Four Promises we make to you. When you entrust your banking to us, we promise to:
Get you comfortable with the right products and the right team to serve you
Make your day-to-day banking simple
Resolve out-of-the-ordinary items responsively
Invest in you and your community