Mortgages and Home Buying
Home-buying, simplified.
Home lending with local support
Mirastar brings personal guidance, California market knowledge, and long-term support to the process. We work with your situation, not around it. That’s what a member-focused lender does.
California real estate knowledge
We know California’s real estate market because we live in it. When you ask about down payments, what’s realistic in your neighborhood, or how to make it work on your budget, we can actually help. That’s what local knowledge means.
Personal mortgage support
You’ll talk through your goals, budget, timeline, and what comes next with someone who actually listens. We understand what matters most to your family and we’ll help you find options that fit your life.
Servicing for life
We service your loan for the life of your loan. Many mortgage lenders will sell your loan to another loan provider, and with that comes changes to your point of contact, how you pay for your loan, having to create another login. If you open a loan with us, you’ll work with us for the life of your loan.
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Find the mortgage option that fits your plans.
Mirastar offers fixed-rate, adjustable-rate, conforming, and jumbo mortgages for first-time buyers and experienced homeowners. Once you know the basics, we can help you sort through the options and choose a path that feels right.
Fixed-rate mortgage
Your interest rate and monthly principal and interest payment stay the same for the full loan term. This can be a good fit when you want predictable payments and plan to stay in your home for several years.
Adjustable-rate mortgage
An adjustable-rate mortgage starts with a fixed rate for the first 3, 5, 7, or 10 years, depending on the loan. After that period, the rate adjusts periodically. The lower initial rate may help increase your buying power or reduce your early monthly payments.
Jumbo mortgage
Jumbo mortgages can support larger purchases in higher-cost neighborhoods. Qualified buyers may be able to borrow up to $3 million.
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Know what’s actually possible with a pre-approval
A strong pre-approval gives you a clear starting point.
Start with more than a basic pre-qualification
Pre-qualification and pre-approval are not the same. Pre-qualification provides an estimate of what you might be able to borrow, based on information you provide about your finances, as well as a credit check. Pre-approval is as close as you can get to confirming your creditworthiness without having a purchase contract in place.
Here’s how a pre-approval works: You’ll sit down with us and walk through your income, employment history, assets, and any debts. We review those details carefully so we can understand your financial picture. Then you’ll get a pre-approval letter showing exactly what you’re approved to borrow and your rate range. Then you can confidently shop with an approved budget.
Getting pre-approved is a smart step to take when you are ready to put in an offer on a home. It shows sellers that you’re a serious homebuyer and that you can secure a mortgage – which makes it more likely that you’ll complete your purchase of the home. This is especially important in the California home buying market, where home owners favor offers from purchasers they are certain can get approved for the loan amount on offer.
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Current rates
Current rates can help you start the conversation with better questions
Start with the numbers, then talk through the details.
Rates are one piece of your homebuying picture.
Your monthly payment can also depend on your loan amount, term, credit profile, down payment, and timing.
Start by reviewing current rates, then talk with us about what may fit your budget and next step.
Call us at (408) 282-0742 for our mortgage rates.
15-Year Fixed Jumbo Mortgages 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!
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Let the process get you into your home
First-time buyer or buying again. We know California’s market, and we’re here to help you understand the next step and what you can afford.
Apply for pre-approval
Know what may fit your budget before you start making offers. Have your government-ID and social security number ready.
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We review your application
We look at your financial information, loan details, and homebuying goals so we can help you find your best option. We’ll tell you exactly what we need from you and what’s happening with your application.
Shop with confidence
With your pre-approval locked in, you understand your budget and timeline. That’s the foundation to shop smart and find the home that actually works for your life.
Move toward closing
We’ll stay connected as you work through the final details, so you know where things stand before closing day.
Talk through your options before you apply
You don’t have to know the right loan path before you reach out. Tell us where you are in the process, what you’re hoping to do, and what questions are on your mind. We’ll help you understand your next step before you start an application.
Meet Monique, our Mortgage Loan Officer and Home Equity specialist
NMLS#: 419782
Years of Experience: 23+
I am passionate about helping members find the best solution to meet their financial goals and needs. In my spare time I enjoy spending time with family, sightseeing, and gardening.
Homebuying FAQ
Buying a home comes with a lot of questions. Start here for clear answers about pre-approval, payments, credit, closing, and what to expect along the way.
Apply to become a member, if you aren’t already. Then submit an application to begin the pre-approval process so we can asses how much you may be eligible to borrow, based on your stated income, credit score and assets. Once you provide the necessary documents to verify your income and assets, you will receive a pre-approval letter.
When you’re ready to apply, you’ll need to share information about your income, assets, debts, and credit history. The information requested may include:
- Government-issued ID
- Social Security Number
- Your two most recent pay stubs
- Your two most recent W-2s
- Your two most recent bank statements
- Recent 1099s if you’re self-employed
- Profit-and-loss statements if you’re self-employed
- Recent tax returns or other income documents, if needed
We’ll begin by looking at your current rate, monthly payment, remaining balance, and loan term. From there, we can help you compare available refinance options, possible payments, closing costs, and whether a new loan could support your goals.
We’ll let you know exactly what applies to your situation and how to upload everything securely. Once your application and documents are in, we’ll review the details, keep you updated, and guide you through the remaining steps toward closing.
Have questions? Request a call back
Getting pre-approved is a smart step to take when you are ready to put in an offer on a home. It shows sellers that you’re a serious homebuyer and that you can secure a mortgage – which makes it more likely that you’ll complete your purchase of the home. This is especially important in the California home buying market, where home owners favor offers from purchasers they are certain can get approved for the loan amount on offer.
You can use our Mortgage Calculator to estimate how much your monthly mortgage payment will be.
Yes, with Mirastar, having less-than-perfect credit does not disqualify you from buying a home. We can help you find the best available option for your situation. For more information, request a call back.
30 days is the typical time it takes to close on a new mortgage once you’ve submitted all paperwork and documents. However, closing times vary based on many factors, so check with your Mortgage representative early in the process to understand the specific time frame for your situation.
If you’re planning to refinance your home, closing times typically take between 30-45 days.
Any non-member borrower(s) must become a member as a condition of loan approval.
Check out our educational resources on Buying a Home for more information about the home buying process. Our Mortgage team is also happy to answer any questions if you would prefer someone to walk you through it. Request a call back
Our homebuying tools
How much will your monthly payment really be? What about property taxes, insurance, and maintenance? What if you change your down payment? We built these tools so you can answer those questions yourself and know what you’re actually getting into.
Mortgage calculators
Most people don’t realize how much a small change in down payment or loan term actually changes their monthly payment. Play with the numbers and see what’s real for your situation.
Learn about buying a home
Owning a home costs more than your mortgage. Learn about property taxes, maintenance, insurance, and everything else that comes with actually owning a home.
Helpful reads for homebuyers.
Explore practical guidance on mortgages, homeownership, and the questions that can come up before you buy.
All You Need To Know About Home Loans
What are the Tax Benefits of Owning a Home?
Best Times to Buy Homes
Your next move.
Some people want to talk things through first. Others are ready to apply. Pick what works for you at this stage in your home buying process.
Existing members, apply online
Not yet a member? Join Mirastar