Woman sitting on a couch with her feet up on a table.

Refinance Your Home

Find peace of mind in your mortgage.

Apply nowNot a member yet? Join Mirastar.

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

No Fees

Lower your monthly payments

Refinancing can reduce your interest rate, helping you keep more money in your pocket each month.

Calculator

Pay off your loan sooner

Shorten your loan term and own your home faster, while potentially saving on interest over time.

House

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.

You might also be interested in:

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 Mortgage Loan Officers along with our mortgage support team have decades of experience and knowledge to ensure you’ll have the best, most personable home-buying experience possible.

Learn more

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
Best Times to Buy Homes
Financial Advice

Best Times to Buy Homes

Your home will probably be the most expensive item you’ll ever buy. That’s why it’s of utmost importance that you time your purchase right and learn the best time of year to buy a home.
Read more

Apply for refinancing today.

Apply online
Start your online application
Apply in person
Apply in person
Connect with us
Contact us for more information

Disclosures

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.

 

Back to top