Star One Credit Union's mortgage rates today cover fixed-rate and adjustable-rate mortgages, home equity loans and investment property financing, all in one place for Silicon Valley buyers, movers and refinancers. Your monthly payment depends on more than the rate alone — loan amount, term and down payment all play a part, too. Use the filters and enter a mortgage amount below to get a real-time estimate for a loan that fits your life and your future.
Home Loan Calculator
Fixed-rate mortgages
No origination fees and fast approval
Adjustable-rate mortgages
No origination fees and fast approval
Home equity mortgages
California only—no origination fees and fast approval
Investment property mortgages
No origination fees and fast approval
What affects your monthly payment
Consider the choices that affect both what you'll pay each month and the total cost of your loan:
- Home price – The amount you plan to borrow
- Down payment – A larger down payment may lower your monthly payment and reduce or eliminate Private Mortgage Insurance (PMI)
- Fixed-rate or adjustable-rate mortgage (ARM) – Fixed-rate mortgages offer predictable monthly payments, while ARMs may start with a lower rate that can change over time
- Loan term – Compare 15-, 20- and 30-year options to see how they affect your monthly payment and total interest paid
- Interest rate – Even a small change in your rate can make a meaningful difference over the life of your loan
- Taxes and insurance – These ongoing costs are often part of your monthly mortgage payment
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
Tools, tips & timely info
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The ranking, based on newly released data from Silicon Valley Business Journal, evaluates credit unions headquartered in the Greater Bay Area based on the dollar increase in residential real estate loan portfolios over a one-year period.
Thinking about buying a home? Join our webinar to learn the essentials of the homebuying process, explore mortgage options, and gain the knowledge and confidence to make informed decisions on your path to homeownership.