Mortgage Rates | Star One

Fixed-Rate Mortgage Loans — Purchase and Refinance
Type	Interest Rate	Points	Monthly Payment Per $1,000****	Monthly Payment Per $1,000
Type 30-year Fixed-Rate Mortgage - Conforming[1] Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.	Interest Rate 6.000%	Points 0.000%	Monthly Payment Per $1,000**** 6.104%	Monthly Payment Per $1,000 $6.00
Type 30-Year Fixed-Rate Mortgage - Jumbo	Interest Rate 6.000%	Points 0.000%	Monthly Payment Per $1,000**** 6.055%	Monthly Payment Per $1,000 $6.00
Type 20-Year Fixed-Rate Mortgage - Conforming[1] Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.	Interest Rate 5.625%	Points 0.000%	Monthly Payment Per $1,000**** 5.758%	Monthly Payment Per $1,000 $6.95
Type 20-Year Fixed-Rate Mortgage - Jumbo	Interest Rate 5.625%	Points 0.000%	Monthly Payment Per $1,000**** 5.693%	Monthly Payment Per $1,000 $6.95
Type 15-Year Fixed-Rate Mortgage - Conforming[1] Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.	Interest Rate 5.500%	Points 0.000%	Monthly Payment Per $1,000**** 5.666%	Monthly Payment Per $1,000 $8.17
Type 15-Year Fixed-Rate Mortgage - Jumbo	Interest Rate 5.500%	Points 0.000%	Monthly Payment Per $1,000**** 5.584%	Monthly Payment Per $1,000 $8.17
Type 10-Year Fixed-Rate Mortgage - Conforming[1] Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.	Interest Rate 5.375%	Points 0.000%	Monthly Payment Per $1,000**** 5.472%	Monthly Payment Per $1,000 $10.79
Type 10-Year Fixed-Rate Mortgage - Jumbo	Interest Rate 5.375%	Points 0.000%	Monthly Payment Per $1,000**** 5.472%	Monthly Payment Per $1,000 $10.79
[1] Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at APR—120 monthly payments at ; 15-year mortgage at APR—180 monthly payments at ; 20-year mortgage at APR—240 monthly payments at ; and 30-year mortgage at APR—360 monthly payments at . Loan payments do not include taxes and insurance. ** Payment amount does not include taxes and insurance. Actual payment amount will be greater. 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). Maximum real estate loan(s) to any one member is $7,000,000 (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. Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500. 1. Other rates and point options are available. Contact a Star One Phone Representative for details. 2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

Fixed-Rate-To-Adjustable-Rate Mortgages — Purchase and Refinance
Type	First Trust Deed	Interest Rate	Points	Annual Percentage Rate	Lifetime Cap	Monthly Payment Per $1,000*****
Type 3-Year Fixed-to-Adjustable-Rate Mortgage - Conforming[1] 3-year fixed-to-adjustable rate: Initial 6.003% 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 $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	First Trust Deed 30 years - Conforming	Interest Rate 5.250%	Points 0.000%	Annual Percentage Rate 6.003%	Lifetime Cap 10.250%	Monthly Payment Per $1,000***** $5.52
Type 3-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo	First Trust Deed 30 years - Jumbo	Interest Rate 5.250%	Points 0.000%	Annual Percentage Rate 6.141%	Lifetime Cap 10.250%	Monthly Payment Per $1,000***** $5.52
Type 5-Year Fixed-to-Adjustable-Rate Mortgage - Conforming[1] 3-year fixed-to-adjustable rate: Initial 6.003% 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 $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	First Trust Deed 30 years - Conforming	Interest Rate 5.375%	Points 0.000%	Annual Percentage Rate 5.932%	Lifetime Cap 10.375%	Monthly Payment Per $1,000***** $5.60
Type 5-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo	First Trust Deed 30 years - Jumbo	Interest Rate 5.375%	Points 0.000%	Annual Percentage Rate 6.036%	Lifetime Cap 10.375%	Monthly Payment Per $1,000***** $5.60
Type 7-Year Fixed-to-Adjustable-Rate Mortgage - Conforming[1] 3-year fixed-to-adjustable rate: Initial 6.003% 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 $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	First Trust Deed 30 years - Conforming	Interest Rate 5.500%	Points 0.000%	Annual Percentage Rate 5.908%	Lifetime Cap 10.500%	Monthly Payment Per $1,000***** $5.68
Type 7-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo	First Trust Deed 30 years - Jumbo	Interest Rate 5.500%	Points 0.000%	Annual Percentage Rate 5.982%	Lifetime Cap 10.500%	Monthly Payment Per $1,000***** $5.68
Type 10-Year Fixed-to-Adjustable-Rate Mortgage - Conforming[1] 3-year fixed-to-adjustable rate: Initial 6.003% 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 $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	First Trust Deed 30 years - Conforming	Interest Rate 5.625%	Points 0.000%	Annual Percentage Rate 5.899%	Lifetime Cap 10.625%	Monthly Payment Per $1,000***** $5.76
Type 10-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo	First Trust Deed 30 years - Jumbo	Interest Rate 5.625%	Points 0.000%	Annual Percentage Rate 5.937%	Lifetime Cap 10.625%	Monthly Payment Per $1,000***** $5.76
Type 30-Year 5/5 Adjustable-Rate Mortgage - Conforming[1] 3-year fixed-to-adjustable rate: Initial 6.003% 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 $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	First Trust Deed 30 years - Conforming	Interest Rate 5.375%	Points 0.000%	Annual Percentage Rate 5.780%	Lifetime Cap 10.375%	Monthly Payment Per $1,000***** $5.60
Type 30-Year 5/5 Adjustable-Rate Mortgage - Jumbo	First Trust Deed 30 years - Jumbo	Interest Rate 5.375%	Points 0.000%	Annual Percentage Rate 5.884%	Lifetime Cap 10.375%	Monthly Payment Per $1,000***** $5.60
[1] 3-year fixed-to-adjustable rate: Initial 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 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance. After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program. *** Payment amount does not include taxes and insurance. Actual payment amount will be greater. * The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. Maximum real estate loan(s) to any one member is $7,000,000 (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. Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500. 1. Other rates and point options are available. Contact a Star One Phone Representative for details. 2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

Home Equity Loans - California (Second Mortgage)
Type	Interest Rate	Points	Annual Percentage Rate²	Lifetime Cap	Monthly Payment Per $1,000
Type Home Equity Loan 15 Years Fixed	Interest Rate 6.125%	Points 0.000%	Annual Percentage Rate² 6.204%	Lifetime Cap n/a	Monthly Payment Per $1,000 $8.51
Type Home Equity Loan 20 Years Fixed	Interest Rate 6.250%	Points 0.000%	Annual Percentage Rate² 6.315%	Lifetime Cap n/a	Monthly Payment Per $1,000 $7.31
Type Adjustable-Rate Home Equity Loan	Interest Rate 6.500%	Points 0.000%	Annual Percentage Rate² 6.691%	Lifetime Cap 11.500%	Monthly Payment Per $1,000 $8.71
****** After the initial fixed-rate period, the interest rate will be based on the Adjustable-Rate Loan program. Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500. 2. The Annual Percentage Rate (APR) assumes a loan amount of $100,000.

Home Equity Line of Credit (HELOC) - California
Type	Interest Rate	Annual Percentage Rate	Lifetime Cap	Monthly Payment Per $1,000
Type Home Equity Line of Credit, California, owner-occupied	Annual Percentage Rate 7.250%	Lifetime Cap 7.250%	Lifetime Cap 18.000%	Monthly Payment Per $1,000 Minimum payment will equal finance charges (interest).
1. 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.