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Current Florida Mortgage Rates

Seacoast offers a variety of mortgage loans with competitive mortgage rates backed by our team of experienced Mortgage Lenders. Check out the rate table below for our current fixed rates when considering a home loan. Ready to get started?

Contact one of our local Mortgage Lending Experts or Apply Now.

Rates as of 9/25/2020


Fixed Rate Loans

Interest Rate1

APR2

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30 Year Fixed

2.62%

2.68%3

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15 Year Fixed

2.75%

2.86%4

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30 Year Fixed Jumbo (Loans Greater than $510,400)

3.00%

3.01%5

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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 30-day interest rate lock period with -0.250% lender credit and assumes the following loan level characteristics: $225,000 loan amount, 80% loan-to-value, 740 credit score, Purchase money or Rate-Term Refinance 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 $510,400.  Terms of repayment:  360 monthly payments of $903.71 at an APR of 2.68%.  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 -0.250% lender credit and assumes the following loan level characteristics:  $225,000 loan amount, 70% loan-to-value, 740 credit score, Cash-Out Refinance 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 $510,400.  Terms of repayment:  180 monthly payments of $1,526.90 at an APR of 2.86%.  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 30-day interest rate lock period with -0.250% lender credit and assumes the following loan level characteristics:  $750,000 loan amount, 70% loan-to-value, 740 credit score, Purchase money or Rate-Term Refinance 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 $510,401 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 $3,162.03 at an APR of 3.01%.  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


Contact one of our local Mortgage Lending Experts for the current rates on other mortgage product options.

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