The right mortgage is just a click away.
Deciding to purchase a new home marks a significant milestone in life. And it's only natural to have a barrage of questions: What can I afford? How do I secure a favorable mortgage rate? Which institution is the best partner for my journey? Welcome to Star One, where your home-buying aspirations find their perfect match.
At Star One, our commitment revolves around our members' best interests, ensuring top-notch rates and services tailored to your needs. With us, selecting the right mortgage becomes a seamless process.
We are here to help you choose the right mortgage.
- Diverse array of mortgage types, including fixed-rate and adjustable-rate mortgages.
- Fixed-rate first mortgage terms, ranging from 10-year to 30-year options.
- Adjustable-rate mortgage terms, spanning 3-year ARM, 5-year ARM, 7-year ARM, and 10-year ARM options.
- Exclusive program for first-time home buyers, offering low down-payment alternatives, reduced Private Mortgage Insurance (PMI), an Appraisal-fee refund of up to $800, and expedited closings.
- Investment property loan options for your unique investment strategies.
Experience the unparalleled efficiency of our loan process.
- Quick closing
- No origination fees
- Minimal closing costs
- Loans up to $5 million at competitive rates
And let's not forget our one-of-a-kind Mortgage Rate Modification program. Should rates drop below your current mortgage rate, effortlessly modify your loan with minimal paperwork and a nominal fee.
Your journey to homeownership begins here, at Star One. Embrace the future of mortgage solutions with confidence and clarity. Take the first step today.
Choose a Star One mortgage
- Fast approval.
- Streamlined process and quick closing.
- Outstanding member service.
Applying is easy and takes only minutes!
Federally insured by NCUA.
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. 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 5.217% APR—120 monthly payments at $3,199.20; 15-year mortgage at 5.458% APR—180 monthly payments at $2,431.80; 20-year mortgage at 5.567% APR—240 monthly payments at $2,063.40; and 30-year mortgage at 5.929% APR—360 monthly payments at $1,774.50. Loan payments do not include taxes and insurance.
** 3-year fixed-to-adjustable rate: Initial 5.250% (6.141% APR) is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.60 at 6.141% 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 fixed-to-adjustable rate: Initial 5.375% (5.884% 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 $ 1,680.00 at 5.884% 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 $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. 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 $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).