Star One has both fixed and adjustable rate mortgages that can help you get into your first home! Our Home Loan Payment Relief (HLPR pronounced "helper") loan is an exciting addition to our product line.

"HLPR" Step-Rate Fixed loans offer the following benefits:

• Maximum loan amount is $600,000
• Maximum loan to value is 90%
• Reduced mortgage insurance premiums
• Applicable to primary residences only
• Appraisal fee of up to $400 is refunded to you at closing
• 30 year maximum term
• Available to first-time home buyers who have not had an ownership interest in a property in the last 3 years
• Minimum $500.00 contribution toward down payment and closing costs from Borrower. Gifts and grants permitted for the remaining funds necessary.
• Income restrictions apply.  See the table below for maximum total household income allowed for certain California counties. 
  
  

  County	Maximum total household income
  Santa Clara	$136,920
  Alameda	$124,320
  San Mateo	$124,320
  Contra Costa	$124,320
  San Francisco	$124,320
  Marin	$124,320
  Santa Cruz	$111,860

  
  If your county does not appear on this list, contact a loan officer for details.

Apply for a HLPR loan today!

---

"HLPR" Fixed to Adjustable rate loans offer the following benefits:

• Initial fixed rate is below Star One's standard fixed to adjustable rate loan
• Maximum loan amount is $600,000
• Maximum loan to value is 90%
• Applicable to primary residences only
• Reduced mortgage insurance premiums
• Appraisal fee of up to $400 is refunded to you at closing
• 30 year maximum term
• Available to first-time home buyers who have not had an ownership interest in a property in the last 3 years
• Gifts and grants are permitted as sources of down payment.
• Income restrictions apply.  See the table below for maximum total household income allowed for certain California counties. 
  
  

  County	Maximum total household income
  Santa Clara	$136,920
  Alameda	$124,320
  San Mateo	$124,320
  Contra Costa	$124,320
  San Francisco	$124,320
  Marin	$124,320
  Santa Cruz	$111,860

  
  If your county does not appear on this list, contact a loan officer for details.

Apply for a HLPR loan today!

Visit our Home Loan Site for information on the home buying process, helpful checklists and tips. Remember, financial counseling is available through our Balance Program.

Not yet a member? Learn more about who can join.