Fixed-Rate Mortgage Calculator
Fixed-Rate Mortgages
Get the same great rate for a purchase or refinance mortgage
First-time homebuyer, as low as 3% down payment
No origination fees, low closing costs!
- Affordable first-time homebuyer program
- Fast approvals and quick closings for purchase transactions
- Loans up to $5 million at same competitive rate
- Special 10-year mortgage with no Star One loan-related closing costs
- Fixed-rate second mortgage with no-closing-costs option
- Reduce the interest rate on your current Star One mortgage with Mortgage Rate Modification
Make an appointment for a free in-branch mortgage consultation with our experienced staff.
With our streamlined process, buying a home has never been easier.
Save money and refinance to lower your interest rate, or take cash out.
Easily lower your monthly payment when mortgage rates drop in the future.
Mortgage rates change continually—protect yourself against an increase.
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