Fixed-Rate First Mortgage
In addition to the popular 30-year fixed-rate first mortgage, Star One offers a 10-year mortgage, 15-year mortgage and 20-year mortgage.
Today's mortgage rates—refinance or purchase
Purchase loans for primary residence
30-year mortgage*
30-Year Fixed Conforming to $510,400 - Purchase Primary Residence promo****
3.194
%
APR (3.125% rate)
$XXX monthly payment✝
10-year mortgage*
10-Year Fixed Purchase Primary Residence promo****
2.543
%
APR (2.500% rate)
$XXX monthly payment✝
Mortgage refinance
30-year mortgage*
30 years Jumbo fixed rate
3.405
%
APR (3.375% rate)
$XXX monthly payment✝
10-year mortgage*
10 years Jumbo fixed rate
2.797
%
APR (2.750% rate)
$XXX monthly payment✝
More mortgage rates today
- 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 2.829% 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)
Make an appointment for a free in-branch mortgage consultation with our experienced staff.
Home refinance
Save money and refinance to lower your interest rate, or take cash out.
Lower your interest
Are mortgage rates now lower than your current Star One mortgage rate?
Mortgage rate-lock
Mortgage rates change continually—protect yourself against an increase.
First mortgage for primary residences
Cash out is available for refinance transactions up to 80% LTV.
Maximum loan:
- 97% LTV up to $850,000
- 90% LTV up to $1,500,000
- 80% LTV up to $2,000,000
- 75% LTV up to $3,000,000
- 70% LTV up to $5,000,000
- 80% LTV up to $2,000,000
- 75% LTV up to $3,000,000
- 70% LTV up to $5,000,000
First-Time Home-Buyer Program
- 97% LTV up to $850,000
- 95% LTV up to $1,500,000
- Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee
First mortgage for secondary residences or vacation homes
- Single-family residence only
- Purchase or limited cash-out refinance option
- Maximum $1,500,000 loan
- Maximum 70% LTV
The mortgage process and your home search
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real-estate agent
Find a home with our hand-picked agents. Follow home listings online and save hundreds or even thousands of dollars at closing.
Disclosures
✝ 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 2.797% APR—120 monthly payments at $2,863.20; 15-year mortgage at 2.922% APR—180 monthly payments at $2,054.70; 20-year mortgage at 3.164% APR—240 monthly payments at $1,682.40; 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 2.995% 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.
**** Purchase-only first-trust deeds are for a new purchase of a primary residence to be funded by September 31, 2020. Refinances and rate modifications are not eligible for this rate. Rate and points may be locked in for 60 days. Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four-family units. Other restrictions on property may apply. Rates subject to change daily. Rates are not guaranteed until locked.