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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.

Competitive Mortgage Rates

Fixed-Rate First Mortgage (First Trust Deed)

10-year mortgage*

10 years Jumbo fixed rate

2.924

%

APR (2.875% rate)

15-year mortgage*

15 years Jumbo fixed rate

3.040

%

APR (3.000% rate)

20-year mortgage*

20 years Jumbo fixed rate

3.663

%

APR (3.625% rate)

30-year mortgage*

30 years Jumbo fixed rate

3.904

%

APR (3.875% rate)

Make an appointment for a free in-branch mortgage consultation with our experienced staff.


  • No mortgage prepayment penalties
  • Loans up to $3.5 million (cumulative total)
  • Fast approvals and quick closings for purchase transactions
  • Fixed terms available for 10, 15, 20, and 30 years
  • Mortgage insurance not required on loans of 80% LTV and under
  • Special 10-year mortgage with no Star One loan-related closing costs

Purchase a home

With our streamlined process, buying a home has never been easier.

Purchase a Home

Home refinance

Save money and refinance to lower your interest rate, or take cash out.

Refinance Your Home

Lower your interest

Are mortgage rates now lower than your current Star One mortgage rate?

Rate Modification

Mortgage rate-lock

Mortgage rates change continually—protect yourself against an increase.

Rate-Lock Commitment

First mortgage for primary residences

Cash out is available for refinance transactions up to 80% LTV.

Maximum loan:

Single-family homes, condominiums and townhomes
  • 97% LTV up to $636,150
  • 95% LTV up to $750,000
  • 80% LTV up to $1,000,000
  • 75% LTV up to $1,500,000
  • 70% LTV up to $2,500,000
2-4 unit primary residences
  • 80% LTV up to $1,000,000
  • 75% LTV up to $1,500,000
  • 70% LTV up to $2,500,000

 

First mortgage for secondary residences or vacation homes

  • Single-family residence only
  • Purchase or limited cash-out refinance option
  • Maximum $1,000,000 loan
  • Maximum 70% LTV

The mortgage process and your home search

Walk through the home-buying process with our video series

    Chapter 1 - Am I ready to purchase?

    Chapter 2 - Is it time to apply?

    Chapter 3 - What do I need to do before I shop for a home?

    Chapter 4 - How do I find my dream home?

    Chapter 5 - What are the next steps after an offer is accepted?

    Chapter 6 - Are you a homeowner looking for options?

Start your home search
with HomeAdvantage®

Find a home with our hand-picked agents. Follow home listings online and save hundreds or even thousands of dollars at closing.


Disclosures

* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 2.924% APR—120 monthly payments at $2,877.30; 15-year mortgage at 3.040% APR—180 monthly payments at $2,072.70; 20-year mortgage at 3.663% APR—240 monthly payments at $1,759.50; and 30-year mortgage at 3.904% APR—360 monthly payments at $1,410.60. Loan payments do not include taxes and insurance.

** ARM mortgage loan rates may range from 3.634% APR to 3.698% 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 3.634% APR, you would make 36 payments of $1,285.20 during the intial three-year fixed-rate period. Loan payments do not include taxes and insurance.

*** Home-equity lines of credit rates may range from 4.000% APR to 4.5% 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 $800 to $1,200. There may be an early closure fee of $500 for home equity lines closed within the first two years of origination.