Buy a Home

The home loan process is simple with Mirastar.

Begin the pre-approval process Not a member yet? Join Mirastar.

One-on-one, personalized solutions.

We get to know and understand your home loan needs through one-on-one conversations. No high-pressure sales pitch, no getting passed around from person to person. You get a dedicated team that will work with you every step of the way to ensure that the home loan approval process is quick and easy.

We know your life is busy, so let us call you. It only takes a few minutes for us to understand what you’re looking for.

FAQs

Check out our Home Equity Line of Credit within our Home Loans products and see our rates and HELOC Disclosures for more information.

Have additional questions? Feel free to give one of our friendly Real Estate Specialists a call today at 408-282-0742 or contact us by submitting a form online!

Ready to get started? Apply Now! Or give us a call at 408-282-0742!

Our dedicated Mortgage Team works hard to ensure your mortgage is processed efficiently, providing support every step of the way.

Ready to get the process started or find out which program is best for you? Call us directly at (408) 282-0742. Don’t have time to call? We’ll call you. Fill out the form and to tell us what you’re looking for. It only takes 2 minutes! One of our knowledgeable Mortgage Loan Officers will contact you to discuss what financing options may work for you!

Check out our competitive rates and take advantage of our Home & Mortgage calculators to estimate how much you could save when you refinance with Mirastar Federal Credit Union.

Ready to get the process started or find out which program is best for you? Call us directly at (408) 282-0742. Don’t have time to call? We’ll call you. Fill out the form and take 2 minutes to tell us what you’re looking for. Our Mortgage Loan Officer will contact you to discuss what financing options may work for you!

Getting pre-approved before buying a home provides you with the price range that works best with your budget. Pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved. Contact a Mortgage Loan Originator today to determine whether you can be pre-approved.

Are you interested in getting pre-approved to purchase your home? Do you have questions about refinancing your existing mortgage? Need a payment or rate quote?

Mirastar offers a variety of real estate programs at great rates, and we want to talk about your home financing options. Complete our simple online survey today. One of our friendly, knowledgeable Real Estate Specialists will get right back to you with recommendations on the right home loan program for you.

Applying for a home mortgage can be a daunting task, but here at Mirastar we offer personalized attention and a wealth of online resources. Review our Home Loan Programs, use our free online mortgage calculators to estimate the cost of your mortgage loan, and be sure to check out the 10 easy steps to the Mortgage Loan process to learn how we can help get you into your new home.

Rates

Home Equity Loan Rates
Terms	Rate Type	APR	Maximum Loan Amount
Home equity loans have fixed interest rates and payments throughout the term. Rates assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. Monthly payment per $1,000 borrowed (excludes property taxes and insurance) example: Pay $19.33 per month per $1,000 borrowed at 5.990% APR for 60 months. For more payment samples, use our payment calculator. All Equity Loans and Credit Lines Mirastar absorbs all third-party origination costs such as property valuation, title insurance, flood hazard review, and document recording. If a loan or line is paid off within 24 months of opening, borrower will reimburse actual costs absorbed by Mirastar, estimated from $818.00 to $1,904.00. Available on California owner-occupied 1–4-unit residential properties only. All loans are subject to credit approval. No early payment penalties.
Terms 5 year	Rate Type Fixed	APR 5.990% – 9.990%	Maximum Loan Amount $750,000
Terms 10 year	Rate Type Fixed	APR 6.490% – 10.490%	Maximum Loan Amount $750,000
Terms 15 year	Rate Type Fixed	APR 6.990% – 10.990%	Maximum Loan Amount $750,000

Home Equity Line of Credit Rates
Loan Type	Intro APR*	Variable APR	Maximum Loan Amount
Introductory APR applies for the first 12 months. After the introductory period, a variable APR will apply based on creditworthiness and other applicable factors. ¹APR = Annual Percentage Rate. Home Equity Lines of Credit (HELOCs) have variable interest rates. The interest rate and payment may change throughout the term of the loan. The variable rate is determined by adding an external index (The Wall Street Journal Prime Rate) to a margin assigned to the line. The margin is based on loan-to-value ratio, credit history, and other factors we may lawfully consider. The maximum lifetime APR is 17.99%. A $100 annual fee applies. Advances may be taken during the 10-year draw period. During the draw period, payments are interest-only. A 15-year repayment period follows, during which payments are fully amortized and include both principal and interest. All Equity Loans and Credit Lines:* Mirastar absorbs third-party origination costs, including property valuation, title insurance, flood hazard review, and document recording. If the loan or line is paid off and closed within 24 months of opening, the borrower must reimburse the actual costs paid by Mirastar, estimated to range from $818.00 to $1,904.00. Available on California owner-occupied 1–4 unit residential properties only. All loans are subject to credit approval. No prepayment penalties.
Loan Type HELOC	Intro APR* 4.74%-5.49%	Variable APR 6.75% – 7.50%	Maximum Loan Amount $750,000

Whether you’re buying your first home, moving across town, or looking for a larger place for your family, Mirastar offers a variety of mortgage options with competitive rates.

Fixed-rate loans: Offers long-term financial stability, as your interest rate and monthly payment will stay the same over the term of your loan.
Adjustable-rate mortgage: Lower initial rates help maximize buying power and reduce monthly payments. Adjustable-rate mortgages come with fixed rates for the first 3, 5, 7 or 10 years – depending on the loan – and rates are then adjusted periodically thereafter.
Conforming loan products: Fixed and adjustable loans up to the FNMA conforming county loan limit.
Jumbo loan products: Buyers looking for larger homes or moving to more expensive neighborhoods can borrow up to $3 million.

Other home buying resources

Refinance Your Home

Whether you are looking to lower your monthly payment, change your loan terms or take advantage of low interest rates, Mirastar is here to help guide you through the process.

Learn more

Use Your Home’s Equity

Thinking about renovating your home, paying for college tuition, or planning a major family vacation? A home equity loan or line of credit are great options to make these big plans come to life.

Learn more

Meet our mortgage team.

Our experienced mortgage team will be with you from start to finish. We have decades of combined experience, expert knowledge of the mortgage and home buying process, and an in-depth understanding of our local market. Most importantly our team is one you can trust.

Get to know them

Knowledge is powerful.

Understanding how to manage your money shouldn’t be complicated. Here’s a variety of topics designed to build your knowledge so you can make the best financial decisions possible.

Visit our blog

Financial Advice

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It’s frustrating enough when it happens. Your wallet is stolen. Not only have you lost cash, you probably have a driver’s license and credit cards to cancel and replace. Worst of all, you have the headache of identity theft to deal with. The best insurance is to be prepared.

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All You Need to Know About Tech Support Scams

There’s little in life that’s more frustrating than a computer that won’t do its job. But sometimes, like your own private miracle, a message appears on your screen. It says: “Technical difficulties? Click here for assistance.”

Disclosures

¹APR= Annual Percentage Rate. Home equity lines of credit (HELOCs) have variable interest rates. The interest rate and payment can change throughout the term. To determine the variable rate, we add an external index (the Wall Street Journal Prime Rate) to the margin assigned to the line. Variable rate formulas assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. The lifetime maximum variable APR is 17.99%. $100 annual fee. You can take advances during the 10-year draw period. During the draw period, payments are interest-only. A 15-year repayment period will follow the draw period. Repayment period payments are fully amortized and include principal and interest.

All Equity Loans and Credit Lines County Federal absorbs all third-party origination costs such as property valuation, title insurance, flood hazard review, and document recording. If a loan or line is paid off within 24 months of opening, borrower will reimburse actual costs absorbed by County Federal, estimated from $818.00 to $1,904.00. Available on California owner-occupied 1–4-unit residential properties only. All loans are subject to credit approval. No early payment penalties.

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.

Disclosures

*Rates quoted as of July 20, 2026. For a 30-year fixed-rate mortgage loan with a loan amount of $1,250,000, the interest rate is as low as 6.000% with an Annual Percentage Rate (APR) of 6.011%. The APR reflects the cost of your loan, including certain prepaid finance charges in addition to the interest rate.

Payment example: A $1,250,000 loan with a 6.000% interest rate (6.011% APR) includes 360 monthly principal and interest payments of $7,494.38. Monthly payment example does not include property taxes, homeowner’s insurance, flood insurance, mortgage insurance (if required), HOA dues, or other escrowed items. Actual payment obligations may be greater.

Available for purchase and refinance transactions on California owner-occupied 1-4 unit residential properties, and second homes, are subject to credit approval, underwriting requirements, and property eligibility.

Rates, APRs, terms, and programs are subject to change without notice. Advertised rates reflect our lowest available pricing and may not be available to all borrowers. Your actual rate, APR, and loan terms will depend on factors including credit qualifications, loan amount, loan-to-value ratio, occupancy, property type, reserves, and other underwriting criteria. Not all applicants will qualify. Additional restrictions, limitations, and fees may apply.

Home Mortgage Disclosure Act (HMDA) Notice

One-on-one, personalized solutions.

Connect with a loan officer

Get pre-approved

Make your dream home a reality

Turn your buying power into your forever home.

Refinance Your Home

Use Your Home’s Equity

Meet our mortgage team.

Your Ultimate Holiday Shopping Security Checklist

The Best Insurance For A Stolen Wallet

All You Need to Know About Tech Support Scams

Disclosures

Disclosures