Home Loans
Everyone deserves the feeling of home ownership.
75 Years of Helping You Achieve More
15-Year Fixed Jumbo Mortgage Interest Rates as low as 5.875% (6.032% APR*)
Dream bigger. Mirastar is offering highly competitive Jumbo Mortgage rates to help you finance your dream home with confidence.
We believe homeownership should be more affordable, not more stressful. That’s why we offer flexible mortgage loan solutions to help you achieve your financial goals. This is the difference member-focused lending makes.
Discover why thousands of families trust Mirastar for their home financing needs. Let us help you find the home lending solution that works for you!
2025 Best Mortgage Experience Award
Mirastar Federal Credit Union has been recognized in the 2025 Best of the Best Awards as one of North America’s best credit unions for delivering an outstanding Mortgage Experience. MemberXP gathered feedback from members across 130+ top credit unions, and we’re honored to stand out for our dedication to exceptional service. Thank you to our incredible members for making this possible.
Your home, your way
Whether you’re buying your first home or next home, renewing or refinancing, investing or upgrading, our dedicated Mortgage Loan Officers will walk you through all the options and be with you every step of the way.
Buying a Home
Home ownership can be a dream come true, but there are several important boxes that must be checked off before that happens. Our Mortgage Loan Officers are here to support you throughout the entire process.
Using Your Home Equity
Renovating your home, paying for college tuition or planning a major family vacation? Tap into your home’s equity with a Fixed-Rate Second Mortgage or Home Equity Line of Credit and use the funds however you choose.
Refinance Your Home
Whether you are looking to lower your monthly payment, change your loan terms or take advantage of low interest rates, our Mortgage Loan Officers will work with you to get you exactly what you need.
Disclosures
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*Rates quoted as of September 16, 2025. For a 15-year Fixed Jumbo Mortgage, the interest rate is as low as 5.875% with an Annual Percentage Rate (APR) of 6.032%.
Payment example: Based on Santa Clara County limits for a loan amount of $1,350,000, a 15-year fixed Jumbo Mortgage principal and interest payment is $11,301.00 per month at 5.875% interest rate (6.032% APR).
Available on California owner-occupied 1–4-unit residential properties only. Monthly payments do not include property taxes or insurance, which will increase your total monthly payment.
Rates and APRs are for illustrative purposes only and subject to change without notice. Advertised rates are based on specific assumptions and may not be available to all applicants. Your actual rate will depend on factors including credit score, loan amount, loan-to-value (LTV), occupancy, and property type. Loans are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Other rates and terms may be available. Conditions, restrictions, and fees may apply.