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Low down payment mortgage loans
- Low down payments for first-time home buyers
- 3% down payment up to $1,000,000 (97% LTV)
- 5% down payment up to $1,500,000 (95% LTV)
- 10% down payment up to $2,000,000 (90% LTV)
- 15% down payment up to $2,500,000 (85% LTV)
- Reduced Private Mortgage Insurance (PMI) for first-time home buyers
- Flexible loan terms
- Fast closings
- Appraisal fee refund up to $800 for first-time home buyers closing a Star One home loan by December 31, 2025
First-time home buyer loan
First-time home buyers benefit from low down payment, reduced Private Mortgage Insurance, and discounted appraisal fee.
How much mortgage do you need?
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Mortgage loans are available up to $5 million
Low down payment mortgage loans
Down payment as low as 3%
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* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.344% APR—120 monthly payments at $3,217.50; 15-year mortgage at 5.584% APR—180 monthly payments at $2,451.00; 20-year mortgage at 5.693% APR—240 monthly payments at $2,085.00; and 30-year mortgage at 6.055% APR—360 monthly payments at $1,798.50. Loan payments do not include taxes and insurance.
**** ARM mortgage loan rates may range from 5.937% APR to 5.884% APR during the initial fixed-rate period, which may be 3, 5, 7 or 10 years. The APR is subsequently variable, based on an index and margin, for the remainder of the 30-year term. For example, on a 30-year 3/1 ARM loan of $300,000 starting at 6.141% APR, you would make 36 payments of $1,656.60 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.
***** Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.
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Minimum down payment and maximum loan
First mortgage for primary residences
Single-family homes, condominiums and townhomes
3% down payment:
loans to $1,000,000 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
10% down payment:
loans to $2,000,000 (90% LTV)
15% down payment:
loans to $2,500,000 (85% LTV)
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
2-4 unit
primary residences
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
Cash out is available for refinance transactions with at least 20% down payment (up to 80% LTV).
First-time homebuyers
3% down payment:
loans to $1,000,000 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee.
Learn more about our First-Time Homebuyer Program.
First mortgage for secondary residences or vacation homes
30% down payment:
loans to $2,000,000 (70% LTV)
Single-family residence only.
Purchase or limited cash-out refinance option.
Loan Services
Mortgage Interest Statement Form 1098
How to pay Star One Loans
Homeowner and Flood Insurance
Mortgage Rate Lock