Quick, Easy Applications
At Seacoast, applying for your loan or financing is always easy – and you’ll be done in minutes.
Typically receive a loan decision in one day or less4.
Secure Electronic Processing
Know your data is safe and secure with our online document sharing and electronic signature capabilities.
Accessible Florida Loan Experts
With 90+ years of experience, we know what it takes to serve our community. Connect with our dependable loan experts online, in-person or over the phone.
1. APR=Annual Percentage Rate. Rate effective November 7, 2022 and may change based on market conditions and borrower eligibility. Variable rate based on “The Wall Street Journal” Prime Rate (currently 7.00%) with a minimum APR of 7.25% and a maximum APR of 18.00%. Subject to credit approval. Your APR may be higher based on the prevailing variable rate index value, the amount of your credit line, combined loan-to-value, and/or property type. The APR referenced will require a minimum credit score of 780, minimum credit line of $50,000, and the credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1‐to‐4 family owner‐occupied properties. Primary or secondary residence only. Not available on investment property or manufactured homes. 180‐month draw period followed by a 0‐month repayment period, at which time the balance will be due in full. Homeowner’s property insurance is required. Flood insurance may be required. Offer does not apply to existing Seacoast Bank credit lines. Cancellation Penalty: In exchange for our agreement to pay all or a portion of your closing costs that would be otherwise paid by you, you agree that your account will remain open for at least 2 years from the date you open the Home Equity Line of Credit account. If you fail to keep this requirement, you will be required to pay an amount equal to the third party closing costs paid by Seacoast Bank. Loans subject to third party closing fees to cover Florida doc stamps and recording fees. Seacoast Bank may pay a portion of your closing costs, excluding appraisal and title policy, with an immediate draw of $25,000; other restrictions apply based upon the loan amount.
2. APR= Annual Percentage Rate. Carve out will reduce the availability under the line and as the loan is repaid the line availability is replenished automatically. APR is for terms up to 36 months. Minimum Carve out of $2,500 and a maximum of 3 carve outs will be permitted at any one time. Rate effective November 7, 2022, and may change based on market conditions. Monthly payments based on a $25,000 loan at 6.075% APR would be $761.39 per month for 36 months with a one time $50 Carve Out fee. Offers may be withdrawn at any time. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.
3. Supporting documents may be required and can be gathered by a Seacoast Bank representative if needed.
4. Subject to receipt of all required documentation, day, and time of application.