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Low-down-payment mortgage loans
- Low down payments for first-time homebuyers
- 3% down payment up to $1,209,750 (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 homebuyers
- Flexible loan terms
- Fast closings
- Appraisal-fee refund up to $800 for first-time homebuyers closing a Star One home loan by December 31, 2026
Calculate a first-time homebuyer mortgage payment
Enter a mortgage amount — up to $5 million
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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 $1,209,750 (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 $1,209,750 (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
Track a Mortgage Rate