More mortgage rates today
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.
Join us for an informative session on the home buying journey and mortgage financing process. Learn how to take your first steps toward homeownership with expert insights on credit, down payment requirements, affordability, and financing options.
With our streamlined process, buying a home has never been easier.
Save money and refinance to lower your interest rate, or take cash out.
Are mortgage rates now lower than your current Star One mortgage rate?
Mortgage rates change continually—protect yourself against an increase.
Minimum down payment and maximum loan
First mortgage for primary residences
Single-family homes, condominiums and townhomes
3% down payment:
loans to $1,000,000 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
10% down payment:
loans to $2,000,000 (90% LTV)
15% down payment:
loans to $2,500,000 (85% LTV)
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
2-4 unit
primary residences
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
Cash out is available for refinance transactions with at least 20% down payment (up to 80% LTV).
First-time homebuyers
3% down payment:
loans to $1,000,000 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee.
Learn more about our First-Time Homebuyer Program.
First mortgage for secondary residences or vacation homes
30% down payment:
loans to $2,000,000 (70% LTV)
Single-family residence only.
Purchase or limited cash-out refinance option.