Fixed-Rate First Mortgage
In addition to the popular 30-year fixed-rate first mortgage, Star One offers a 10-year mortgage, 15-year mortgage and 20-year mortgage.
Competitive Mortgage Rates
Fixed-Rate First Mortgage (First Trust Deed)
Make an appointment for a free in-branch mortgage consultation with our experienced staff.
- No mortgage prepayment penalties
- Loans up to $5 million (cumulative total)
- Fast approvals and quick closings for purchase transactions
- Fixed terms available for 10, 15, 20, and 30 years
- Mortgage insurance (PMI) not required on loans of 80% LTV and under
- Special 10-year mortgage with no Star One loan-related closing costs
- More Mortgage Rates
- Adjustable-Rate Mortgage**
as low as 4.687% APR - Home Equity Line of Credit***
as low as 5.000% APR - Investment Property Loans
as low as 4.906% APR - First-Time Home Buyer
as low as 3% down payment - **Get mortgage rate details and more rates
Home refinance
Save money and refinance to lower your interest rate, or take cash out.
Lower your interest
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Mortgage rate-lock
Mortgage rates change continually—protect yourself against an increase.
First mortgage for primary residences
Cash out is available for refinance transactions up to 80% LTV.
Maximum loan:
- 97% LTV up to $850,000
- 95% LTV up to $1,000,000
- 80% LTV up to $2,000,000
- 75% LTV up to $3,000,000
- 70% LTV up to $5,000,000
- 80% LTV up to $2,000,000
- 75% LTV up to $3,000,000
- 70% LTV up to $5,000,000
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
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Disclosures
* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 3.943% APR—120 monthly payments at $3,021.30; 15-year mortgage at 4.063% APR—180 monthly payments at $2,219.40; 20-year mortgage at 4.175% APR—240 monthly payments at $1,837.50; and 30-year mortgage at 4.414% APR—360 monthly payments at $1,497.90. Loan payments do not include taxes and insurance.
** ARM mortgage loan rates may range from 4.869% APR to 4.377% 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 4.869% APR, you would make 36 payments of $1,347.30 during the intial three-year fixed-rate period. Loan payments do not include taxes and insurance.
*** Home-equity lines of credit rates may range from 5.000% APR to 5.5% 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 $800 to $1,200. There may be an early closure fee of $500 for home equity lines closed within the first two years of origination.