30-year jumbo fixed mortgage rate, refinance or purchase: 6.875% (6.992% APR) | Star One Credit Union, California
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In your best interest

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.

Today's mortgage rates

Get the same great rate for a purchase or refinance mortgage


$

30-year mortgage*

Fixed Rate—Conforming or Jumbo

6.875%

APR[1]:
Conforming: 6.992%****
Jumbo: 6.940%*****

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

15-year mortgage*

Fixed Rate—Conforming or Jumbo

6.375%

APR[1]:
Conforming: 6.556%****
Jumbo: 6.473%*****

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

20-year mortgage*

Fixed Rate—Conforming or Jumbo

6.625%

APR[1]:
Conforming: 6.774%****
Jumbo: 6.707%*****

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

10-year mortgage*

Fixed Rate—Conforming or Jumbo

6.250%

APR[1]:
Conforming: 6.365%****
Jumbo: 6.365%*****

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

More mortgage rates today

No origination fees, low closing costs!


Home Buying Webinars

Part 1—Loan and Financing

Join us as we discuss the home buying journey and dive into the mortgage financing process.

Register now for "Home Buying Webinar Part 1"
Wednesday, March 20, 5:00 PM–6:00 PM PT.

Part 2—Home Buying Process

Understand the home buying process from start to finish to help you navigate today's market and eliminate surprises.

Register now for "Home Buying Webinar Part 2"
Thursday, March 21, 5:00 PM–6:00 PM PT.

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

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

Minimum down payment and maximum loan

First mortgage for primary residences

Single-family homes, condominiums and townhomes

3% down payment:

loans to $1,000,000 (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 $1,000,000 (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.



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.


Disclosures

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 6.365% APR—120 monthly payments at $3,369.00; 15-year mortgage at 6.473% APR—180 monthly payments at $2,592.90; 20-year mortgage at 6.707% APR—240 monthly payments at $2,258.70; and 30-year mortgage at 6.940% APR—360 monthly payments at $1,970.70. Loan payments do not include taxes and insurance.

** 10-year fixed-to-adjustable rate: Initial 6.375% (6.892% APR) is fixed for 10 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 120 payments of $ 1,871.70 at 6.892% APR, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.

*** 5/5 fixed-to-adjustable rate: Initial 6.125% (6.484% APR) is fixed for 5 years, then adjusts every five years based on an index and margin. For a 30-year loan of $300,000, you would make 60 payments of $ 1,822.80 at 6.484% APR, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.

**** In most of the country, the maximum conforming loan limit for one-unit properties is $766,550. In "high-cost" areas, the maximum conforming limit may be up to $1,149,825. 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.

***** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $766,550 conforming limit up to $1,149,825 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).

1. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000. The APR for all other loans assumes a loan amount of $100,000.

2. ARM mortgage loan rates may range from 6.892% APR to 6.484% 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 7.342% APR, you would make 36 payments of $1,798.50 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.

3. Home-equity line of credit 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.