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Below is a partial list of mortgage programs provided by OakStar Bank. Your loan officer will personally discuss your financial needs with you and determine a mortgage program which will best fit those needs.

Fixed Rate Loans allow for a guaranteed principal & interest payment and interest rate for the entire term of the loan. Fixed rate loans may have an amortization term from 10-years up to 30-years.

Adjustable Rate Loans feature introductory low interest rates. Payments and rates may adjust up or down at fixed intervals. A Hybrid Adjustable Rate Mortgage is fixed for the initial period of three, five, seven or ten years, then adjusts annual thereafter. Adjustable Rate Loans are great loans for buyers who know they will not own their home for many years. 

Community Home Buyer Loan Program allows for easier qualification requirements with up to 100% of the purchase price financed.

FHA & VA Loans are government guaranteed loans that provide flexible underwriting requirements. These mortgage loans often require less income to qualify than traditional loans and may require little or no down payment. (You must be an eligible Veteran to qualify for a VA loan.)

Bridge Loans provide the financing assistance you may need if you find the home you would like to purchase, but have not sold your current property.

Refinance Loans are a great way to consolidate debt into one easy monthly payment. Consult with one of our loan officers about possible refinance options that may be available.
Construction Loans are available if you need to finance the construction of a new home. We will approve you for the construction loan and the final mortgage prior to the construction of your home.

Lot Financing is the perfect way to finance a piece of property on which to build. A variety of rates and terms are available to you.

Home Equity Loans & Lines of Credit are a great way to put the equity in your home to work for you. Rates are generally much lower than other types of consumer credit and the interest you pay may be tax deductible.* Use a Home Equity Loan for any purpose – vehicle purchase, home improvements, college education or debt consolidation. (*Consult a tax advisor.)