Suncoast Credit Union · Credit union
Suncoast Credit Union
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Membership qualifications and account opening required for all products and services.
At a glance
- Borrower type
- Available to non-permanent residents
- Property use
- Primary residence
Still to confirm: Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- The program lists a 3% minimum down payment and no PMI.
- The program is available to non-permanent residents.
What to consider
- The 1% own-funds option requires a 2% gift from an immediate family member.
- The rate is fixed initially and can adjust after ten years.
- Membership qualifications and account opening are required.
AI-generated lender-level assessment based on published information. Not a verified assessment of First Time Home Buyer Program; confirm program-specific conditions below.
Newcomer requirements
First Time Home Buyer Program
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Residency / visa
- Available to non-permanent residents
- Minimum down payment
- 3.00%
- Occupancy
- Primary residence
View full lender requirements
- Residency / visa
- Available to non-permanent residents
- Minimum down payment
- 3.00%
- Occupancy
- Primary residence
- Other conditions
- Ask us how you may qualify with as little as 1% of your own funds when combined with a 2% gift from an immediate family member
Questions to confirm with the lender (13)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
First Time Home Buyer Program
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
First Time Home Buyer Program
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Suncoast’s first-time homebuyer 10/1 ARM offers up to 97% financing, no private mortgage insurance and availability to non-permanent residents. Membership and credit approval apply; qualifying family gift funds can reduce the borrower’s own-funds contribution.
Legal lender: Suncoast Credit Union
Lending channel: Direct lending
Provider type: Credit union
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 417636
More lender directory information
Direct application information ↗
Membership qualifications and account opening required for all products and services.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Nov 4, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.