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Fixed-rate mortgages
No origination fees and fast approval
30-Year Fixed-Rate Mortgage [1]
Rate
6.375%
APR Conforming[2] [3] [4]
6.485%
APR Jumbo [5] [2] [3]
6.433%
Get Started
20-Year Fixed-Rate Mortgage [1]
Rate
6.000%
APR Conforming[2] [3] [4]
6.139%
APR Jumbo [2] [3] [5]
6.072%
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
6.750%
APR [3]
6.821%
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]
6.712%
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

Minimum down payment on a house, condo or investment property

Star One offers first-mortgage loans for primary residences with a down payment as low as 3%.

First mortgage for primary residences—single-family homes, condominiums and townhomes:

  • 3% down payment: loans up to $1,209,750 (97% LTV)
  • 5% down payment: loans up to $1,500,000 (95% LTV)
  • 10% down payment: loans up to $2,000,000 (90% LTV)
  • 15% down payment: loans up to $2,500,000 (85% LTV)
  • 20% down payment: loans up to $3,000,000 (80% LTV)
  • 25% down payment: loans up to $3,500,000 (75% LTV)
  • 30% down payment: loans up to $5,000,000 (70% LTV)
  • Cash out is available for refinance transactions with at least 20% down payment (up to 80% LTV)

First mortgage for 2-4 unit primary residences:

  • 20% down payment: loans up to $3,000,000 (80% LTV)
  • 25% down payment: loans up to $3,500,000 (75% LTV)
  • 30% down payment: loans up to $5,000,000 (70% LTV)
  • Cash out is available for refinance transactions with at least 20% down payment (up to 80% LTV).

First mortgage for secondary residence or vacation home (single-family only):

  • 30% down payment: loans up to $2,000,000 (70% LTV)
  • Single-family residence only—purchase or limited cash-out refinance option

Tools, tips & timely info

Explore resources designed to help you plan smarter, borrow better, and stay in the know.

News
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Money stress doesn't just affect finances—it impacts overall wellbeing. This interactive workshop explores the connection between money, stress, and mental health, helping participants understand how financial habits and thought patterns influence emotional wellbeing.

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