Suncoast Capital Mortgage serves buyers and homeowners across all of Florida — Miami to Jacksonville, Tampa to Orlando. Competitive rates, local expertise, personal service.
Whether buying your first home, upgrading, or refinancing — we have the right program for you.
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FHA Loans
As little as 3.5% down, flexible credit. Perfect for first-time Florida buyers.
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Conventional Loans
Fixed-rate stability and predictable payments for buyers with solid credit.
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Jumbo Loans
Finance high-value Florida waterfront homes and luxury estates.
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VA Loans
Up to 100% financing for Florida veterans and active military. No PMI.
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Refinancing
Lower your rate or payment. Florida's market is moving — now may be the time.
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Investment Property
Florida's booming rental market is calling. Expert investment loan guidance.
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Live Market Data
Today's Mortgage Rates
For 680–740 credit score borrowers. Contact us for your FL quote.
30-Year Fixed
6.74%
APR 6.89%
Most Popular
15-Year Fixed
6.12%
APR 6.31%
Pay Off Faster
5/1 ARM
6.05%
APR 6.22%
Low Start Rate
FHA 30-Year
6.48%
APR 7.10%
Low Down Payment
VA Loan
6.21%
APR 6.40%
For Veterans
Jumbo 30-Year
6.88%
APR 7.02%
Luxury Homes
How It Works
Your Path to a Florida Home
Simple, transparent, stress-free — from first click to keys in hand.
1
Chat & Apply
Talk to our AI assistant or fill out the quick form.
2
Pre-Approval
Get your letter fast to shop with confidence.
3
Lock Your Rate
We lock the best rate and guide you through underwriting.
4
Close & Move In
We handle the details. Welcome to your Florida home!
Client Stories
Florida Homeowners Love Us
★★★★★
"We relocated from New York and had no idea how Florida mortgages worked. Suncoast walked us through everything and got us an amazing rate on our Tampa Bay home."
MK
Michael K.
Tampa, FL
★★★★★
"Buying a waterfront condo in Miami felt impossible until we found Suncoast. They handled our jumbo loan and we closed in just 28 days!"
SR
Sofia R.
Miami, FL
★★★★★
"As a veteran I used my VA loan to buy in Orlando. Suncoast made it seamless — 100% financing, no PMI, and they answered every question."
JT
James T.
Orlando, FL
Licensed & Ready
Ready to Start Your Florida Mortgage?
Suncoast Capital Mortgage partners with West Coast Capital Mortgage Inc. — a fully licensed MLO company — to finalize and close your loan.
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West Coast Capital Mortgage Inc.Licensed MLO · NMLS# 2817729 · Equal Housing Lender
Powered by West Coast Capital Mortgage Inc. Secure · Licensed · Trusted
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Suncoast Mortgage Assistant
🟢 Online · Replies instantly
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Hi there! 👋 Welcome to Suncoast Capital Mortgage. I help with Florida home loans and can get you pre-qualified.