Demand less from your mortgage.

Mortgage Refinance

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Lower interest, lower payments, lower stress – from Star One.

View Today’s Low Rates

If you’re just now seeing us around, we’re glad you’re here. As a local Bay Area credit union, we’ve helped homeowners save for decades. Our goal? Make refinancing easy, affordable, and stress-free. And because we work for you—not for commissions—you can trust you’re getting the best deal.

  • Fixed & adjustable rates
  • Flexible loan terms
  • Cash-out refinancing
  • Rate Modification Program When rates drop, yours can too—without a full refinance—no fear of missing out!

Why Bay Area homeowners choose us:

  • Hyper-Local Expertise: We understand this unique market.
  • Better Rates: hard-to-beat—and we just lowered them again.
  • Personal Service: Concierge-level service – not a 1-800 number


Ready to get started?

Calculate your mortgage payment

Enter a mortgage amount — up to $5 million
$
30-Year Fixed-Rate Mortgage [1]
Rate
6.250%
APR Conforming[2] [3] [4]
6.358%
APR Jumbo [5] [2] [3]
6.307%
Get Started
15-Year Fixed-Rate Mortgage [1]
Rate
5.750%
APR Conforming[2] [3] [4]
5.920%
APR Jumbo [2] [3] [5]
5.837%
Get Started
3-Year Fixed-to-Adjustable-Rate Mortgage [7]
Rate
5.375%
APR Conforming[2] [3] [4]
6.129%
APR Jumbo [2] [3] [5]
6.264%
Get Started
30-Year 5/5 Adjustable-Rate Mortgage [8]
Rate
5.500%
APR Conforming[2] [3] [4]
6.057%
APR Jumbo [2] [3] [5]
6.159%
Get Started

Testimonials

The professional team at Star One enables my wife and me to close the home within 4 weeks of the contract.

GJ from San Jose, CA

I recently closed on a home with Star One and had the best experience that I have ever had in home buying. I would recommend Star One and this team to anyone looking for the best rates and the best service. I loved the treatment I received as a member of the local community. I felt valued as a customer.

SR from San Jose, CA
Best place to get a mortgage!

...We recently closed on our first home, and used Star One as our lender because of their great rate and rate modification program. Overall, we are quite happy with our choice of Star One as our lender, and would recommend considering them for a home loan...

Victoria W from San Francisco, CA

...We couldn't have asked for a better experience as first-time buyers. I highly recommend Star One Credit Union to anyone, especially first-time homebuyers. ...

Akshay G, San Jose, CA

Star One Credit Union is a rare combination of the best mortgage rates and high-quality customer service!

Deepak from Lathrop, CA
A big thanks to the Star One Mortgage Team!

The application process, assessment and finalization were all so smooth. Thank you for being so professional, excellent, friendly, and welcoming. Star One is a real delight, and I will be sure to sing praises to friends, clients, colleagues, and family.

Shyloh from Gilroy, CA
Thank you for the excellent service!

The best! Great customer service; low interest in loans; best security in banking and credit cards. There's no other bank or credit union to be compared with Star One. I love it!

Gioconda C, San Jose, CA



Top-ranked and trusted

Year after year, Star One Credit Union excels in member satisfaction and financial benefit, and is a local leader in real estate financing.

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