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First-Time Home Buyer Loan

First-time home buyer benefits from low down-payment, reduced Private Mortgage Insurance, and discounted appraisal fee.

Low-Down-Payment Mortgage Loans

Down payment as low as 3%


10-year mortgage*

10-Year Fixed Conforming to $822,375******* - Purchase Primary Residence******



APR (2.000% rate)

$1,000,000 mortgage:
$XXX monthly payment

30-year mortgage*

30-Year Fixed Conforming to $822,375******* - Purchase Primary Residence******



APR (2.750% rate)

$1,000,000 mortgage:
$XXX monthly payment

3-year fixed-to-adjustable rate**

30 years Jumbo mortgage



APR (2.250% rate)

$1,000,000 mortgage:
$XXX monthly payment
for first 3 years

5/5 hybrid ARM***

30 years Jumbo ARM



APR (2.375% rate)

$1,000,000 mortgage:
$XXX monthly payment
for first 5 years

  • Special low down-payment options for first-time home buyer loans
    • 97% loan-to-value up to $850,000
    • 95% loan-to-value up to $1,500,000
  • Reduced Private Mortgage Insurance (PMI) for first-time home buyers
  • Flexible loan terms
  • Fast closings
  • Appraisal-fee refund up to $500 for first-time home buyers closing a Star One home loan by December 31, 2021

Make an appointment for a free in-branch mortgage consultation with our experienced staff.

Home Buying Webinar

If you missed our recent Home Buying Webinar, you can now view the recording of it online.

Join us with a real-estate agent, appraiser, and title-insurance company representative for tips and answers to questions—whether you are planning to buy your first home or are experienced in home buying and looking for tips.

View the Home Buying Webinar.

Check Rates

Apply Online

Check Home Loan Application

Purchase a home

With our streamlined process, buying a home has never been easier.

Purchase a Home

Home refinance

Save money and refinance to lower your interest rate, or take cash out.

Refinance Your Home

Lower your interest

Are mortgage rates now lower than your current Star One mortgage rate?

Rate Modification

Mortgage rate-lock

Mortgage rates change continually—protect yourself against an increase.

Rate-Lock Commitment

First mortgage for primary residences

Cash out is available for refinance transactions up to 80% LTV.

Maximum loan:

Single-family homes, condominiums and townhomes
  • 97% LTV up to $850,000
  • 90% LTV up to $1,500,000
  • 80% LTV up to $2,000,000
  • 75% LTV up to $3,000,000
  • 70% LTV up to $5,000,000
2-4 unit primary residences
  • 80% LTV up to $2,000,000
  • 75% LTV up to $3,000,000
  • 70% LTV up to $5,000,000


First-Time Home-Buyer Program

  • 97% LTV up to $850,000
  • 95% LTV up to $1,500,000
  • Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee

First mortgage for secondary residences or vacation homes

  • Single-family residence only
  • Purchase or limited cash-out refinance option
  • Maximum $1,500,000 loan
  • Maximum 70% LTV

Get connected with a real-estate agent

Learn more about the HomeAdvantage program.
Find a home with our hand-picked agents.

Follow home listings online and save hundreds or even thousands of dollars at closing.


Monthly payments may vary slightly from those quoted due to rounding.

* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 2.161% APR—120 monthly payments at $2,772.90; 15-year mortgage at 2.289% APR—180 monthly payments at $1,965.30; 20-year mortgage at 2.659% APR—240 monthly payments at $1,608.60; and 30-year mortgage at 2.901% APR—360 monthly payments at $1,244.40. Loan payments do not include taxes and insurance.

** 3-year fixed-to-adjustable rate: Initial 2.762% APR is fixed for 3 years, then becomes variable based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,146.60 at 2.762% APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.

*** 5/5 hybrid ARM: Initial 3.135% APR is fixed for 5 years, then becomes variable based on an index and margin. For a 30-year loan of $300,000, you would make 60 payments of $ 1,165.80 at 3.135% APR, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.

**** ARM mortgage loan rates may range from 2.762% APR to 2.749% 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 2.762% APR, you would make 36 payments of $1,146.60 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.

***** Home-equity lines of credit rates may range from 3.250% APR to 3.75% APR. These 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.

****** Refinances and rate modifications are not eligible for this rate. Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four-family units. Other restrictions on property may apply. Rates subject to change daily. Rates are not guaranteed until locked.

******* In most of the country, the maximum conforming loan limit for one-unit properties is $548,250. In "high-cost" areas, the maximum conforming limit may be up to $822,375. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.

Scam and Fraud Alert

Several Star One members reported receiving a phone call or text from a person claiming to be from Star One's fraud department with a caller ID reflecting 866-543-5202.

The caller is impersonating a Star One employee to gain your trust with the goal of getting access to your account.

The caller may try to reassure you that it's OK to share your information—please hang up, it's not OK, EVER!