Mortgage Refinance, Today's Mortgage Refinance Rates

Your home’s been saving up for this moment.

Reduce your rate, eliminate high-interest debt and create new opportunities when you refinance.

Refinance a mortgage with Star One.

Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

Reasons to refinance:

Switch from an adjustable-rate loan to a fixed-rate mortgage
Change from one adjustable-rate loan to another to lower your monthly payment
Reduce your interest rate and your monthly payment
Build equity faster by shortening the term of your loan to 15 or 20 years

Calculate your mortgage payment

Enter a mortgage amount — up to $5 million

30-Year Fixed-Rate Mortgage [1] Fixed-rate mortgage payment examples assuming a $300,000 loan:

- 10-year mortgage at 6.125% (6.237% APR for conforming loans, or 6.237% APR for jumbo loans): 120 monthly payments at $3,349.48;
- 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27;
- 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72;
- 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93.

Loan payments do not include taxes and insurance.

Rate

6.625%

APR Conforming[3] [4] [5]

6.738%

APR Jumbo [6] [3] [4]

6.686%

Get Started

15-Year Fixed-Rate Mortgage [1] Fixed-rate mortgage payment examples assuming a $300,000 loan:

- 10-year mortgage at 6.125% (6.237% APR for conforming loans, or 6.237% APR for jumbo loans): 120 monthly payments at $3,349.48;
- 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27;
- 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72;
- 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93.

Loan payments do not include taxes and insurance.

Rate

6.250%

APR Conforming[3] [4] [5]

6.429%

APR Jumbo [3] [4] [6]

6.344%

Get Started

10-Year Fixed-to-Adjustable-Rate Mortgage [7] The 10-year fixed-to-adjustable-rate mortgage (also known as a "10-year ARM") is a 30-year loan that has a fixed interest rate for the first 10 years. For the remaining 20 years, the interest rate is variable.

The current interest rate for the first 10 years is 6.125% (6.359% APR for conforming loans, or 6.393% APR for jumbo loans).

After 10 years, the interest rate and APR will adjust every year, depending on market conditions, based on an index and margin.

This means that the interest rate and APR—and monthly payments—may increase or decrease every year after the initial 10-year period.

You can use our mortgage calculator to calculate an estimated monthly payment for the first 10 years of this loan.

A sample payment scenario for a loan of $300,000 at the current 6.125% interest rate (6.359% APR) would be 120 payments of $1,822.83, followed by 240 payments based on future variable rates which adjust every year.

Loan payments do not include taxes and insurance.

Rate

6.125%

APR Conforming[3] [4] [5]

6.359%

APR Jumbo [3] [4] [6]

6.393%

Get Started

30-Year 5/5 Adjustable-Rate Mortgage [8] The 5/5 adjustable-rate mortgage (also known as a "5/5 ARM") is a 30-year loan that has a fixed interest rate for the first five years. For the remaining 25 years, the interest rate is variable.

The current interest rate for the first five years is 5.750% (6.383% APR for conforming loans, or 6.482% APR for jumbo loans).

After five years, the interest rate and APR will adjust every five years, depending on market conditions, based on an index and margin.

This means that the interest rate and APR—and monthly payments—may increase or decrease every five years after the initial five-year period.

You can use our mortgage calculator to calculate an estimated monthly payment for the first five years of this loan.

A sample payment scenario for a loan of $300,000 at the current 5.750% interest rate (6.383% APR) would be 60 payments of $1,750.72, followed by 300 payments based on future variable rates which adjust every five years.

Loan payments do not include taxes and insurance.

Rate

5.750%

APR Conforming[3] [4] [5]

6.383%

APR Jumbo [3] [4] [6]

6.482%

Get Started

More Mortgage Rates Today

Fixed-rate mortgages

Get a fixed monthly payment for your primary residence or vacation property.

Save on interest with a 10-year mortgage or choose the classic 30-year mortgage.

Looking for something in between? Consider our 15-year mortgage or 20-year mortgage.

Fixed-Rate Mortgage

Adjustable-rate mortgages (ARM)

If you're looking for our lowest mortgage rate to start out with, our 5/5-year ARM might be right for you.

Other popular adjustable-rate mortgages are our 3/1-year ARM, 5/1-year ARM, 7/1-year ARM and 10/1-year ARM.

Adjustable-Rate Mortgage

Lower payments with no muss and no fuss? When rates fall, it’s possible.

Most loan types qualify for our easy loan modification program.

A modification reduces your rate to our current offering. And the fee is typically lower than the cost of a refinance with a streamlined process and timeline. No appraisal needed.

All you have to do is fill out a simple form.

Apply for Mortgage Rate Modification

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

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Why and how to provide Star One with proof of insurance

Learn More

Your home’s been saving up for this moment.

Refinance a mortgage with Star One.

Calculate your mortgage payment

Fixed-rate mortgages

Adjustable-rate mortgages (ARM)

Want a lower rate on your current Star One mortgage loan?

Loan services

Refinance Your Home

Your home’s been saving up for this moment.

Refinance a mortgage with Star One.

Calculate your mortgage payment

Fixed-rate mortgages

Adjustable-rate mortgages (ARM)

Want a lower rate on your current Star One mortgage loan?

Loan services