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Fixed-rate mortgages
No origination fees and fast approval
30-Year Fixed-Rate Mortgage [1]
Rate
6.500%
APR Conforming[2] [3] [4]
6.612%
APR Jumbo [5] [2] [3]
6.560%
Get Started
20-Year Fixed-Rate Mortgage [1]
Rate
6.125%
APR Conforming[2] [3] [4]
6.266%
APR Jumbo [2] [3] [5]
6.199%
Get Started
15-Year Fixed-Rate Mortgage [1]
Rate
5.875%
APR Conforming[2] [3] [4]
6.047%
APR Jumbo [2] [3] [5]
5.964%
Get Started
10-Year Fixed-Rate Mortgage [1]
Rate
5.625%
APR Conforming[2] [3] [4]
5.727%
APR Jumbo [2] [3] [5]
5.727%
Get Started
Adjustable-rate mortgages
No origination fees and fast approval
3-Year Fixed-to-Adjustable-Rate Mortgage [7]
Rate
5.750%
APR Conforming[2] [3] [4]
6.412%
APR Jumbo [2] [3] [5]
6.546%
Get Started
5-Year Fixed-to-Adjustable-Rate Mortgage [8]
Rate
5.875%
APR Conforming[2] [3] [4]
6.358%
APR Jumbo [2] [3] [5]
6.457%
Get Started
7-Year Fixed-to-Adjustable-Rate Mortgage [9]
Rate
6.000%
APR Conforming[2] [3] [4]
6.348%
APR Jumbo [2] [3] [5]
6.419%
Get Started
10-Year Fixed-to-Adjustable-Rate Mortgage [10]
Rate
6.125%
APR Conforming[2] [3] [4]
6.359%
APR Jumbo [2] [3] [5]
6.393%
Get Started
30-Year 5/5 Adjustable-Rate Mortgage [11]
Rate
5.750%
APR Conforming[2] [3] [4]
6.308%
APR Jumbo [2] [3] [5]
6.408%
Get Started
Home equity mortgages
No origination fees and fast approval
Home Equity Loan 20 Years Fixed [12] [13]
Rate
6.875%
APR [3]
6.948%
Get Started
Adjustable-Rate Home Equity Loan [14] [15] [13]
Rate
6.500%
APR [3]
7.010%
Get Started
Home Equity Loan 15 Years Fixed [12] [13]
Rate
6.625%
APR [3]
6.712%
Get Started
Home Equity Line of Credit, California, owner-occupied [16] [13]
Rate
6.750%
APR [3]
6.750%
Get Started
Investment property mortgages
No origination fees and fast approval
30-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.750%
APR Conforming[2] [3] [4]
6.865%
APR Jumbo [2] [3] [5]
6.813%
Get Started
20-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.625%
APR Conforming[2] [3] [4]
6.774%
APR Jumbo [2] [3] [5]
6.705%
Get Started
15-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.250%
APR Conforming[2] [3] [4]
6.429%
APR Jumbo [2] [3] [5]
6.344%
Get Started
10-Year Fixed-Rate Mortgage for Investment Property - Conforming [17]
Rate
6.125%
APR Conforming[2] [3] [4]
6.375%
APR Jumbo [2] [3] [5]
6.256%
Get Started
3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [18]
Rate
6.250%
APR Conforming[2] [3] [4]
6.545%
APR Jumbo [2] [3] [5]
6.678%
Get Started
5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [19]
Rate
6.375%
APR Conforming[2] [3] [4]
6.560%
APR Jumbo [2] [3] [5]
6.659%
Get Started
7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [20]
Rate
6.500%
APR Conforming[2] [3] [4]
6.612%
APR Jumbo [2] [3] [5]
6.680%
Get Started
10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [21]
Rate
6.625%
APR Conforming[2] [3] [4]
6.697%
APR Jumbo [2] [3] [5]
6.728%
Get Started

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 $1,209,750 (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 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

Explore resources designed to help you plan smarter, borrow better, and stay in the know.

Webinars
Age Well, Plan Well - Living Trusts and Estate Planning

Learn about estate planning and other helpful ways to prepare for the future. Star One’s Beneficiary Retiree Services team will be on hand with guest speaker Natalie Spiwak, Estate Planning Representative with AffinityTrusts, to answer general questions and show how the Credit Union can help you with Estate Planning needs.

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News Fastest growing real-estate lenders
Star One Credit Union Ranks No. 1 in Silicon Valley for Residential Real Estate Loan Growth

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.

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Webinars
Understanding Inherited IRAs

If you've inherited an IRA—or may in the future—this webinar can help you understand the rules and your options. Learn about IRS distribution requirements, tax implications, and strategies for managing inherited IRA assets. Our experts will share practical guidance, answer your questions, and help you make informed decisions with confidence.

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