We’ll help you get the house so you can make it a home.
If you’re ready to stop asking for permission to paint the walls, we’re here to help you sign the deed. But our programs aren't just about getting you through the front door—they’re about ensuring you can afford to stay there.
- Low down payment options as low as 3%
- Flexible loan terms
- Renowned low rates
- Fast closings with concierge-level service
- Special offers for first-time homebuyers only: reduced Private Mortgage Insurance (PMI) and appraisal-fee refund up to $800 on home loans closed by December 31, 2026.
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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 $1,249,125 (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-time homebuyers:
- 3% down payment: loans up to $1,249,125 (97% LTV)
- 5% down payment: loans up to $1,500,000 (95% LTV)
- Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee
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
Loan services
A tax document Star One sends to mortgage borrowers.
Mobile deposit, ezDeposit, automatic loan payment, online banking transfer, or pay from outside account
Why and how to provide Star One with proof of insurance