Meet Your Home Ownership Goal

Star of Texas is uniquely focused on meeting the lending needs of ALL members, including providing specialized ITIN lending opportunities to help meet your homeownership goal. We welcome Texas Workforce Commission employees, relatives of any current member, and anyone who lives, works, worships or attends school within Travis County.

Our goal is to provide the highest level of service at competitive rates and making your homeownership dream come true. Our Loan Officers are only a phone call away if you need help. Contact us at 512-458-8253.

Real Estate Loan Rates

TYPEAPR (Annual Percentage Rate)TERMS
Residential Mortgage ARM7.50% APRCall for Terms
Residential Lot/Land ARM8.25% APRCall for Terms
Investment Properties ARM10.00% APRCall for Terms
Home Equity Loans8.00% APRCall for Terms

Easy to Apply

Choosing Star of Texas Credit Union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan applying online is as easy as 1-2-3.

• APPLY NOW – complete the application
• When you have completed the application, click submit and your information will be reviewed for pre-qualification.
• Our Loan Officer will call you to start the process.

Real Estate Products

We offer Real Estate products for every stage of life. Whether you're looking for your 30 Year Fixed, FHA, or a VHA Mortgage, we have an option for you! Check out the list below and learn more about each of our services!
• Conventional
• Home Equity
• Mobile Homes on Permanent Foundation
• Land Loans
• Investment Rental Properties
•Non-owner Occupied Mobile Home on Permanent Foundation


Purchasing a new home, or looking to refinance at a better rate? We offer a wide range of terms and closing costs. Choose from the following options:

  • 30-year Fixed: The most common loan option. Repayment period of 30 years with an interest rate that doesn’t change through the life of the loan.
  • FHA: An FHA loan is designed to help low to moderate income families obtain a home. These are a popular option for first home buyers. They require a minimum down payment and are issued by the federal government. If you have a lower credit score, this may be the option for you.
  • VA Mortgages: VA loans typically do not require a down payment. VA loans, backed by the U.S. Department of Veterans Affairs, are open only to those who have served or are serving in the military and for some surviving spouses.

Home Equity

Use the equity in your home to improve your home, consolidate debt, pay for higher education, start a business, take a dream vacation, etc.

  • Borrow up to 80% of the home value
  • Interest Paid May Be Tax Deductible (consult your tax advisor)
  • Up to 30 Year Financing
  • No Application Fees
  • Owner occupied properties only

Mobile Homes on Permanent Foundation

We offer mortgage financing for mobile homes on a permanent foundation. Do not settle for dealer financing; we offer better rates and lower payments.

Land Loans Special

  • Low Origination Fee of 1.25%: Save more from the start!
  • $500 Towards Closing Costs: We’re here to help you save some cash!
  • Flexible 15-Year Terms: Manageable payments over a comfortable timeline.
  • Competitive Rates Starting at 8.25%: Affordable rates to fit your budget.

Vacant Land

Purchase residential land or refinance an existing land loan with SOTCU. Property must be located in Travis County and surrounding area.

  • Up to 75% financing available.

Contact Credit Union for current offerings, tables, and terms.