Meet Your Home Ownership Goal
At Star of Texas, we’re committed to helping every member achieve their homeownership goals. That includes offering specialized ITIN lending solutions tailored to your needs. We proudly serve Texas Workforce Commission employees, family members of current members, and anyone who lives, works, worships, or attends school in Travis County.
Our mission is to deliver exceptional service and competitive rates—because owning a home shouldn’t be out of reach.
Have questions? Our friendly Loan Officers are just a phone call away. Reach us at 512-458-8253.
Easy to Apply
Your First Step to an Affordable Home Loan Starts Here.
Whether you're buying a new home or refinancing your current one, getting started with Star of Texas Credit Union is quick and easy—just like 1-2-3:
- Apply Online: Fill out the simple application form.
- Submit: Once you’re done, hit submit. We’ll review your info for pre-qualification.
- Let’s Talk: A Loan Officer will give you a call to guide you through the next steps.
Your path to homeownership starts now—let’s make it happen!
Real Estate Products
Real Estate Loans for Every Stage of Life
Whether you're buying your first home, refinancing, or investing, Star of Texas Credit Union has the right loan for you—including 30-Year Fixed, FHA, and VA Mortgage options. Explore our full range of real estate products below:
- Conventional Loans
- Home Equity Loans
- Mobile Homes on Permanent Foundation
- Land Loans
- Investment & Rental Properties
- Non-Owner Occupied Mobile Homes on Permanent Foundation
Let us help you find the perfect fit for your needs—every step of the way.
Real Estate Loan Rates
| TYPE | APR (Annual Percentage Rate) | EFFECTIVE DATE |
|---|---|---|
| Residential Mortgage ARM | 5.24% APR | 3/31/2025 |
| Residential Lot/Land ARM | 5.99% APR | 3/31/2025 |
| Investment Properties ARM | 6.99% APR | 3/31/2025 |
| Home Equity Loans ARM | 5.49% APR | 3/31/2025 |
Effective Date: 3/31/2025
Conventional
Buying a New Home or Refinancing?
We’ve got you covered with competitive rates, flexible terms, and a variety of loan options tailored to your needs. Explore your choices below:
-
30-Year Fixed:
The most popular mortgage option—enjoy predictable monthly payments and a fixed interest rate for the life of the loan. -
FHA Loans:
Ideal for first-time homebuyers and those with moderate income. Backed by the federal government, FHA loans offer a lower down payment and are more flexible with credit requirements. -
VA Mortgages:
Exclusively for eligible veterans, active-duty service members, and some surviving spouses. These loans are backed by the U.S. Department of Veterans Affairs and often require no down payment.
Land Loans
Looking to Buy Land? We Make It Easy to Plant Roots.
Whether you’re dreaming of building a future home or investing in property, our land loans come with straightforward terms and competitive perks:
- Low Origination Fee – Just 1.25%: Save money right from the start.
- Flexible 15-Year Terms: Enjoy manageable monthly payments on your timeline.
- Competitive Rates: Affordable financing designed to fit your budget.
Let us help you turn land into opportunity.
Home Equity
Put Your Home’s Equity to Work
Your home is more than just where you live—it’s a powerful financial tool. Home equity is the difference between your home’s value and what you still owe on your mortgage—and you can use that value to fund what matters most: home improvements, debt consolidation, education, starting a business, or even that dream vacation.
- Borrow up to 80% of your home’s value
- Potential tax advantages (consult your tax advisor)
- Financing available for up to 30 years
- No application fees
- Available for owner-occupied properties only
Vacant Land
Ready to Buy or Refinance Land?
Whether you’re purchasing residential land or refinancing an existing land loan, Star of Texas Credit Union is here to help. We offer financing for properties located in Travis County and surrounding areas:
- Finance up to 75% of the property value
Mobile Homes on Permanent Foundation
Financing for Mobile Homes on Permanent Foundations
Get a better deal than typical dealer financing. Enjoy competitive mortgage rates and lower monthly payments with financing tailored for mobile homes on permanent foundations.
- Better rates than most dealer financing options
- Lower monthly payments
- Local service from a team you can trust
Contact Credit Union for current offerings, tables, and terms.
