Refinance Your Home
Find peace of mind in your mortgage.
Maximize your home’s value.
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.
Benefits
Lower your monthly payments
Refinancing can reduce your interest rate, helping you keep more money in your pocket each month.
Pay off your loan sooner
Shorten your loan term and own your home faster, while potentially saving on interest over time.
Access your home’s equity
Use your home’s value to get cash for important expenses – whether it’s home improvements, education, or debt consolidation.
Turn your buying power into your forever home.
Lock in your 30-Year Fixed Rate as low as 6.00% (6.011% APR)* and see how seamless borrowing over $1.25 million can be. Whether you need the buying power for a new home or want to refinance the one you already love, secure a premium mortgage up to $3 million with our highly competitive rates.
Why Choose Mirastar?
- Secure up to $3 million to confidently finance the space your family needs.
- Lock in a 30-year fixed rate* so your principal and interest payments never change.
- Finance 1- to 4-unit owner-occupied and second home properties anywhere in California.
- Choose to purchase or refinance with flexible options tailored to your goals.
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.
Best Times to Buy Homes
What Kind of Home Improvement Projects Will Add Value to My Home?
What are the Tax Benefits of Owning a Home?
Apply for refinancing today.
Disclosures
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Mirastar offers mortgage loans for properties located in California only. All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply.
Mirastar does not underwrite the following types of property:
- Second homes, vacation homes, or investment properties
- Mobile/manufactured/modular homes
- Multi-family homes with five or more units
- Co-ops
- Mixed-use properties
Mirastar currently offers both fixed and adjustable rates for conventional and jumbo loans on properties including:
- Single-family homes
- Multi-family homes with up to four units
- Townhouses
- Condominiums
- Planned Unit Development (PUD)
Home Equity Lines of Credit (HELOC) are variable rate loans and rate may increase throughout loan term. For rate information, see rates.
For full terms and conditions, view the HELOC disclosure.
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. 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
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*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, 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
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.