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Star One Credit Union Home Loans have no pre-payment penalties

Important Notice Regarding Processing Times: Purchase transactions are handled on a priority basis in an effort to meet contractual deadlines. Our current estimated processing times for real estate loan refinances is 8 - 10 weeks.  Responses to application submissions, telephone messages and e-mails may take up to one business day. Thank you for your patience and we appreciate your business.

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Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Getting Value Out Of Your Home

Home Equity Loans

Home equity loans and lines of credit are secured by the equity in your home, and are considered attractive because the interest paid may be tax deductible.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.






Due to the changing nature of the home financing market, requirements for maximum loan to value (LTV) over 80%, loan amount or other terms are subject to mortgage insurance underwriting approval. Additionally, lower LTV's may apply if the property appraisal indicates it is located in a declining market area or there is a lack of recent sales in the area. Please check with a loan officer prior to entering in a contract or giving funds to a seller to make sure you have mortgage insurance approval.

Following is an example of the amount of financing available in certain high cost areas:

97% LTV to $625,000
95% LTV to $750,000

80% LTV to $1,000,000
75% LTV to $1,500,000

70% LTV to $2,500,000

If your current mortgage is with Star One Credit Union you may be eligible to modify your loan rate for a flat fee.  To learn more about Star One's rate modification click here: Real Estate Rate Modification




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