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Mortgages

Whether you are a first-time home buyer or someone who just wants to tap into the equity of your current home, Star One can help.

Competitive Mortgage Rates

Home financing is simple with Star One. You can apply for a mortgage online, access useful tools and calculators, and obtain Star One real-estate terms and mortgage rates.

Make an appointment online for a free in-branch mortgage consultation.


Purchase a home

Looking to move into a new home? First-time home buyer? Apply online.

Purchase a Home

Refinance your home

Save money and refinance to lower your interest rate, or take cash out.

Refinance Your Home

Reduce the interest rate on your Star One loan

Have mortgage rates dropped since you took out your current Star One mortgage?

Mortgage Rate Modification

Get a mortgage-rate personalized quote

The Loan Consultant feature determines the products and rates that match your needs.

Personalized Rate Quote

Current Mortgage Rates

Five-year adjustable-rate mortgage**

30 years conforming

3.375

%

3.416% APR


Fixed-rate mortgage**

30 years Jumbo conforming

4.000

%

4.030% APR

**Get mortgage rate details and more rates

Apply Online


Track a Mortgage Rate


Check Your Saved Application


Let our video series help you demystify the home-buying process.

Find a home with our hand-picked agents. Follow home listings online and save hundreds or even thousands of dollars at closing.

Mortgage Rate Lock-In Commitment

Since mortgage interest rates are constantly changing, we offer the option of "locking-in" a current Credit Union rate to protect you against an increase during the loan process.

Learn about Star One's Rate Lock-In Commitment.

Buying your first home is a big step, but it doesn't have to be a scary one. The more you know about the home buying process, the more confident you'll feel about making these important decisions that will shape your future.

Learn about first-time home buying

This part is easy. You answer some questions online, then you decide on the best loan for you. We provide a variety of loan options based on your answers.

Learn about the mortgage process

Time to move into another home? Maybe you've outgrown the one you're living in now. Perhaps you're in a better financial position than you were when you bought your last house. Maybe you're moving to a new town with a new job. While it really doesn't matter why you need a new house, it does matter how you go about purchasing it.

Learn about purchasing a home

As you progress through the home buying process, the question of insurance will be raised. Here are the basic types of insurance you should know something about. Be aware that most policies contain standard exclusions and exceptions.

Learn about homeowner's insurance

Why refinance? It may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

Learn about refinancing a home

Before you start looking for a home, make sure you're on firm footing financially. Can you pay the up-front costs of purchasing a house as well as the ongoing monthly mortgage and other living expenses? We've provided a wide range of calculators for you to use to determine the preliminary answers. Plug in your figures and see if it all adds up.

See purchase calculators



First Mortgages

Apply online
  Fixed Adjustable Rate Mortgages
    One Year Adjustable 5 Year Fixed to Adjustable 5/5 Fixed to Adjustable Rate Mortgage
Primary Residences
Single Family Primary Residences, Condominiums & Townhomes -
Maximum Percent Financed and Loan Amount2

3 year, 7 year, and 10 year fixed to adjustable rate are also available. Contact loan officer for details.

97% up to $636,1501
95% up to $750,0001
80% up to $1,000,000
75% up to $2,000,000
70% up to $3,500,000
  Purchase or limited cash-out refinances transactions only on loan values exceeding 75%.
2-4 Unit Primary Residences -
Maximum Percent Financed and Loan Amount
80% up to $1,000,000
75% up to $2,000,000
70% up to $3,500,000
Second Home -
Maximum Percent Financed and Loan Amount

70% up to $1,000,000
Purchase or limited cash-out refinances transactions only.
Single family residences only.
 

Term 30, 20, 15 and 10 years
 
Maximum 30 years

Maximum 30 years (for example: 5 years fixed rate; 25 years adjustable rate)

Maximum 30 years (5 years fixed rate; Adjust every 5 years thereafter)

Index Not applicable Weekly average yield of one-year Treasury securities Weekly average yield of 5- year Treasury Constant Maturity (TCM)
Interest Rate Adjustment Not applicable The rate is variable and will adjust annually for the life of the loan. The interest rate is fixed for the initial 5 years. After the initial fixed period, the rate is variable and will adjust annually for years 6 through 30 The interest rate is fixed for the initial 5 years. After the initial 5 year period, the rate is variable and will adjust every 5 years for the life of the loan.
For adjustable-rate mortgages (ARMs), rates/payment are subject to increase after consummation.
Margin Not applicable 2.50% Conforming 2.75% over Conforming
3.00% over $1,000,000
2.50% Conforming years 6 to 30 2.75% over Conforming years 6 to 30 3.00% over $1,000,000 years 6 to 30 2.25% up to high conforming limits. 2.50% over the high conforming limit to $1,000,000. 2.750% over $1,000,000.
Caps Not applicable 2% annual and 5% lifetime cap for zero-point loans 2% annual and 5% lifetime cap for years 6 to 30
Location Throughout the U.S.
Fees

Credit report, tax service, flood zone determination, appraisal, title insurance, escrow and other closing costs.

Fees may vary with size, type of loan and location of property.

Mortgage Rates Current mortgage rates and payment examples.

1. Mortgage insurance is required if the loan exceeds 80% of the property's value. Mortgage insurance protects the lender against losses resulting from default. Loan proceeds from a refinance that requires mortgage insurance may only be used to pay-off existing loans secured by the property and closing costs.

2. Maximum real estate loan(s) to any one member is $3,500,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.


First Mortgages—Investment Properties

Apply online
  Fixed 3 Year Fixed to Adjustable
Single Family -
Maximum Percent Financed and Loan Amount1
70% up to $1,000,000
 
5 year, 7 year, and 10 year fixed to adjustable rate are also available. Contact loan officer for details.
  Purchase or limited cash-out refinances transactions only. Lower loan-to-values may apply in some declining value property areas.
2-4 Unit Residence -
Maximum Percent Financed and Loan Amount
70% up to $1,000,000
Lower loan-to-values may apply in some declining value property areas.
Term 30, 20 and 15 years
 
Maximum 30 years (3 year fixed rate; 27 year adjustable rate)
 
Index Not applicable Weekly average yield of one-year Treasury securities
Interest Rate Adjustment Not applicable Annually for years 4 through 30
Margin Not applicable 3.00%
Caps Not applicable 2% annual and 5% lifetime cap for years 4 to 30
Location Throughout the U.S.
Fees

Credit report, tax service, flood zone determination, appraisal, title insurance, escrow and other closing costs.

Fees may vary with size, type of loan and location of property.

Rates Current mortgage rates and payment examples.

1. Maximum real estate loan(s) to any one member is $3,500,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.