Investment Property Mortgage Rates | Star One

Fixed-Rate Investment Property Loans
First Trust Deed	Interest Rate	Points**	Annual Percentage Rate***	Monthly Payment Per $1,000****
First Trust Deed 30-Year Fixed-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.625%	Points** 0.000%	Annual Percentage Rate*** 6.738%	Monthly Payment Per $1,000**** $6.40
First Trust Deed 30-Year Fixed-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.625%	Points** 0.000%	Annual Percentage Rate*** 6.686%	Monthly Payment Per $1,000**** $6.40
First Trust Deed 20-Year Fixed-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.500%	Points** 0.000%	Annual Percentage Rate*** 6.647%	Monthly Payment Per $1,000**** $7.46
First Trust Deed 20-Year Fixed-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.500%	Points** 0.000%	Annual Percentage Rate*** 6.579%	Monthly Payment Per $1,000**** $7.46
First Trust Deed 15-Year Fixed-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.250%	Points** 0.000%	Annual Percentage Rate*** 6.429%	Monthly Payment Per $1,000**** $8.57
First Trust Deed 15-Year Fixed-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.250%	Points** 0.000%	Annual Percentage Rate*** 6.344%	Monthly Payment Per $1,000**** $8.57
First Trust Deed 10-Year Fixed-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.125%	Points** 0.000%	Annual Percentage Rate*** 6.375%	Monthly Payment Per $1,000**** $11.16
First Trust Deed 10-Year Fixed-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [3] Fixed-rate investment-property mortgage payment examples assuming a $300,000 loan: - 10-year mortgage at 6.125% (6.375% APR for conforming loans, or 6.256% APR for jumbo loans): 120 monthly payments at $3,349.48; - 15-year mortgage at 6.250% (6.429% APR for conforming loans, or 6.344% APR for jumbo loans): 180 monthly payments at $2,572.27; - 20-year mortgage at 6.500% (6.647% APR for conforming loans, or 6.579% APR for jumbo loans): 240 monthly payments at $2,236.72; - 30-year mortgage at 6.625% (6.738% APR for conforming loans, or 6.686% APR for jumbo loans): 360 monthly payments at $1,920.93. Loan payments do not include taxes and insurance.	Interest Rate 6.125%	Points** 0.000%	Annual Percentage Rate*** 6.256%	Monthly Payment Per $1,000**** $11.16
Maximum loan amount for Investment Property Loans is $2,500,000. Contact a loan officer for details. 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. Other rates and point options are available. Contact a Star One Phone Representative for details. * The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $900,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000. **** Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Fixed-to-Adjustable-Rate Investment Property Loans
30-Year Adjustable-Rate Loans	Interest Rate	Points**	Annual Percentage Rate***	Lifetime Cap	Monthly Payment Per $1,000****
30-Year Adjustable-Rate Loans 3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [3] 3-year fixed-to-adjustable rate for investment properties: Initial 5.875% (6.259% APR for conforming loans, or 6.394% APR for jumbo loans) 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 $1,774.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 5.875%	Points** 0.000%	Annual Percentage Rate*** 6.259%	Lifetime Cap 10.875%	Monthly Payment Per $1,000**** $5.92
30-Year Adjustable-Rate Loans 3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [3] 3-year fixed-to-adjustable rate for investment properties: Initial 5.875% (6.259% APR for conforming loans, or 6.394% APR for jumbo loans) 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 $1,774.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 5.875%	Points** 0.000%	Annual Percentage Rate*** 6.394%	Lifetime Cap 10.875%	Monthly Payment Per $1,000**** $5.92
30-Year Adjustable-Rate Loans 5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [4] 5-year fixed-to-adjustable rate for investment properties: Initial 6.000% (6.257% APR for conforming loans, or 6.357% APR for jumbo loans) is fixed for 5 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 60 payments of $1,798.65, followed by 300 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.000%	Points** 0.000%	Annual Percentage Rate*** 6.257%	Lifetime Cap 11.000%	Monthly Payment Per $1,000**** $6.00
30-Year Adjustable-Rate Loans 5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [4] 5-year fixed-to-adjustable rate for investment properties: Initial 6.000% (6.257% APR for conforming loans, or 6.357% APR for jumbo loans) is fixed for 5 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 60 payments of $1,798.65, followed by 300 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.000%	Points** 0.000%	Annual Percentage Rate*** 6.357%	Lifetime Cap 11.000%	Monthly Payment Per $1,000**** $6.00
30-Year Adjustable-Rate Loans 7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [5] 7-year fixed-to-adjustable rate for investment properties: Initial 6.125% (6.292% APR for conforming loans, or 6.363% APR for jumbo loans) is fixed for 7 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 84 payments of $1,822.83, followed by 276 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.125%	Points** 0.000%	Annual Percentage Rate*** 6.292%	Lifetime Cap 11.125%	Monthly Payment Per $1,000**** $6.08
30-Year Adjustable-Rate Loans 7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [5] 7-year fixed-to-adjustable rate for investment properties: Initial 6.125% (6.292% APR for conforming loans, or 6.363% APR for jumbo loans) is fixed for 7 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 84 payments of $1,822.83, followed by 276 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.125%	Points** 0.000%	Annual Percentage Rate*** 6.363%	Lifetime Cap 11.125%	Monthly Payment Per $1,000**** $6.08
30-Year Adjustable-Rate Loans 10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming [1] In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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. [6] 10-year fixed-to-adjustable rate for investment properties: Initial 6.250% (6.358% APR for conforming loans, or 6.392% APR for jumbo loans) is fixed for 10 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 120 payments of $1,847.15, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.250%	Points** 0.000%	Annual Percentage Rate*** 6.358%	Lifetime Cap 11.250%	Monthly Payment Per $1,000**** $6.16
30-Year Adjustable-Rate Loans 10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo [2] The Jumbo Loan limit is any amount greater than $832,750 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $832,750 conforming limit up to $1,249,125 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA). [6] 10-year fixed-to-adjustable rate for investment properties: Initial 6.250% (6.358% APR for conforming loans, or 6.392% APR for jumbo loans) is fixed for 10 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 120 payments of $1,847.15, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.	Interest Rate 6.250%	Points** 0.000%	Annual Percentage Rate*** 6.392%	Lifetime Cap 11.250%	Monthly Payment Per $1,000**** $6.16
Initial interest rate is fixed for 3 years, 5 years, 7 years or 10 years. See loan program summary for additional terms, contact a loan officer for details. Maximum loan amount for Investment Property Loans is $2,500,000. Contact a loan officer for details. 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. Other rates and point options are available. Contact a Star One Phone Representative for details. * The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $900,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000. **** Payment amount does not include taxes and insurance. Actual payment amount will be greater.