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Low down payment mortgage loans
- Low down payments for first-time home buyers
- 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 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?
$
Mortgage loans are available up to $5 million
Low down payment mortgage loans
Down payment as low as 3%
More Mortgage Tools
Purchase a home
With our streamlined process, buying a home has never been easier.
Home refinance
Save money and refinance to lower your interest rate, or take cash out.
Lower your interest
Are mortgage rates now lower than your current Star One mortgage rate?
Mortgage rate-lock
Mortgage rates change continually—protect yourself against an increase.
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