Fixed-Rate First Mortgage

Today's mortgage rates—refinance or purchase

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• Adjustable-Rate Mortgage**, as low as 2.901% APR
• Home Equity Line of Credit***, as low as 3.250% APR
• Investment Property Loans, as low as 2.857% APR
• First-Time Home Buyer, as low as 3% down payment

No origination fees, low closing costs!

• Affordable first-time home-buyer program
• Fast approvals and quick closings for purchase transactions
• Loans up to $5 million at same competitive rate
• Special 10-year mortgage with no Star One loan-related closing costs
• Fixed-rate second mortgage with no-closing-costs option
• Reduce the interest rate on your current Star One mortgage with Mortgage Rate Modification (featured in Wall Street Journal)

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✝ Monthly payments may vary slightly from those quoted due to rounding.

* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 2.415% APR—120 monthly payments at $2,809.20; 15-year mortgage at 2.669% APR—180 monthly payments at $2,017.80; 20-year mortgage at 2.912% APR—240 monthly payments at $1,644.90; and 30-year mortgage at 3.405% APR—360 monthly payments at $1,326.30. Loan payments do not include taxes and insurance.

** ARM mortgage loan rates may range from 2.873% APR to 3.054% APR during the initial fixed-rate period, which may be 3, 5, 7 or 10 years. The APR is subsequently variable, based on an index and margin, for the remainder of the 30-year term. For example, on a 30-year 3/1 ARM loan of $300,000 starting at 2.873% APR, you would make 36 payments of $1,224.60 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.

*** Home-equity lines of credit rates may range from 3.250% APR to 3.75% APR. These 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.

***** In most of the country, the maximum conforming loan limit for one-unit properties is $548,250. In "high-cost" areas, the maximum conforming limit may be up to $822,375. 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.