Home Loans

Home Borrow Home Loans

Turn “someday” into a move-in date with a Star One home loan.

It's not just a house—it's your life. Find solid ground with a fixed-rate mortgage.

You’re a person to us, not a number. But speaking of numbers? We have some great ones.

Apply for a Mortgage
Enter a mortgage amount — up to $5 million
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Filters
Filters
Fixed-rate mortgages
No origination fees and fast approval
30-Year Fixed-Rate Mortgage [1]
Rate
6.500%
APR Conforming[2] [3] [4]
6.612%
APR Jumbo [5] [2] [3]
6.560%
Get Started
20-Year Fixed-Rate Mortgage [1]
Rate
6.125%
APR Conforming[2] [3] [4]
6.266%
APR Jumbo [2] [3] [5]
6.199%
Get Started
15-Year Fixed-Rate Mortgage [1]
Rate
5.875%
APR Conforming[2] [3] [4]
6.047%
APR Jumbo [2] [3] [5]
5.964%
Get Started
10-Year Fixed-Rate Mortgage [1]
Rate
5.625%
APR Conforming[2] [3] [4]
5.727%
APR Jumbo [2] [3] [5]
5.727%
Get Started
Adjustable-rate mortgages
No origination fees and fast approval
3-Year Fixed-to-Adjustable-Rate Mortgage [7]
Rate
5.750%
APR Conforming[2] [3] [4]
6.319%
APR Jumbo [2] [3] [5]
6.454%
Get Started
5-Year Fixed-to-Adjustable-Rate Mortgage [8]
Rate
5.875%
APR Conforming[2] [3] [4]
6.282%
APR Jumbo [2] [3] [5]
6.383%
Get Started
7-Year Fixed-to-Adjustable-Rate Mortgage [9]
Rate
6.000%
APR Conforming[2] [3] [4]
6.288%
APR Jumbo [2] [3] [5]
6.358%
Get Started
10-Year Fixed-to-Adjustable-Rate Mortgage [10]
Rate
6.125%
APR Conforming[2] [3] [4]
6.317%
APR Jumbo [2] [3] [5]
6.351%
Get Started
30-Year 5/5 Adjustable-Rate Mortgage [11]
Rate
5.875%
APR Conforming[2] [3] [4]
6.358%
APR Jumbo [2] [3] [5]
6.457%
Get Started
Home equity mortgages
No origination fees and fast approval
Home Equity Loan 20 Years Fixed [12] [13]
Rate
6.875%
APR [3]
6.948%
Get Started
Adjustable-Rate Home Equity Loan [14] [15] [13]
Rate
6.500%
APR [3]
6.904%
Get Started
Home Equity Loan 15 Years Fixed [12] [13]
Rate
6.625%
APR [3]
6.721%
Get Started
Home Equity Line of Credit, California, owner-occupied [16] [13]
Rate
6.750%
APR [3]
6.750%
Get Started
Investment property mortgages
No origination fees and fast approval
30-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.750%
APR Conforming[2] [3] [4]
6.865%
APR Jumbo [2] [3] [5]
6.813%
Get Started
20-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.625%
APR Conforming[2] [3] [4]
6.774%
APR Jumbo [2] [3] [5]
6.705%
Get Started
15-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.250%
APR Conforming[2] [3] [4]
6.429%
APR Jumbo [2] [3] [5]
6.344%
Get Started
10-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.125%
APR Conforming[2] [3] [4]
6.375%
APR Jumbo [2] [3] [5]
6.256%
Get Started
3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [18]
Rate
6.250%
APR Conforming[2] [3] [4]
6.451%
APR Jumbo [2] [3] [5]
6.586%
Get Started
5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [19]
Rate
6.375%
APR Conforming[2] [3] [4]
6.485%
APR Jumbo [2] [3] [5]
6.584%
Get Started
7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [20]
Rate
6.500%
APR Conforming[2] [3] [4]
6.551%
APR Jumbo [2] [3] [5]
6.620%
Get Started
10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [21]
Rate
6.625%
APR Conforming[2] [3] [4]
6.655%
APR Jumbo [2] [3] [5]
6.686%
Get Started

Saving 1% can mean a lot when it comes to real estate.

No origination fees. Low closing costs. Here’s how we help you get into the real estate game. 

  • Affordable first-time home-buyer program 
  • Fast approvals and quick closing 
  • Loans up to $5 million at same competitive rate 
  • Special 10-year mortgage with no Star One loan-related closing costs 
  • 15-year, 20-year, and 30-year mortgages also available 
  • Fixed-rate second mortgage with no-closing-costs option 
  • Reduce the interest rate on your current Star One mortgage with Mortgage Rate Modification (as featured in Wall Street Journal)

Loan services

Mortgage Interest Statement Form 1098

A tax document Star One sends to mortgage borrowers.

1098 Access and FAQs

How to Pay Star One Loans 

Mobile deposit, ezDeposit, automatic loan payment, online banking transfer, or pay from outside account

Choose How to Pay

Homeowner and Flood Insurance

Why and how to provide Star One with proof of insurance

Learn More

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5-Star Rating for 25 years

Our financial strength and stability have earned us the coveted ‘Best of Bauer’ designation—an honor reserved for financial institutions that have consistently maintained Bauer’s highest 5-star rating for 25+ years. 

We have interest in your interest

At Star One, you’re not just opening an account—you’re unlocking a better way to bank. With consistently low loan rates, higher savings returns, and support that actually supports, we’re here to make your financial life feel less like work.

Join Star One