• What is the Star Loan Program?

    Our Star Loan Program is a mortgage program that is dedicated to helping save teachers and first responders a little money on their home loans. After all, they do so much each day. It’s the least we can do for them.

  • How to Qualify

    If you are currently a full-time employed teacher, police officer, or firefighter you may be eligible. We can help make the process of obtaining a mortgage a little bit easier.

  • Borrower Qualifications

    Each employment type must meet the borrower qualifications as outlined here. Teachers: Must hold an appropriate teacher credential and be currently full-time employed in a public/private school. Police/Sheriff/CHP: Must be currently employed full time with City, County, or State Law Enforcement. Firefighters/First Responders: Must be currently employed full time with the City, County or State. Correctional Officers: Must be currently employed full time with City, County, or State Law Enforcement.

  • Benefits of the Program

    By taking advantage of this program, teachers and first responders can be on their way to owning their own home. Qualified teachers and first responders can save up to $500 in reduced lender fees, making it even more affordable to becoming a homeowner. Different lender-paid mortgage insurance options are available to help reduce your monthly mortgage expense. Combine our specialty program with your down payment assistance, allowing gift funds to be used for 100% of the home purchase down payment. Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn. Available for VA, FHA or Conventional mortgages!

Contact Capstone today

Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. A unique firm with a practice that actively supports the talents of experienced mortgage professionals who are focused on serving their client’s goals in pursuit of the American Dream.

Distinguishing ourselves by embracing an entrepreneurial spirit that is highly compliant, resulting in a dynamic environment that supports our client’s needs now and into the future. Responsive and nimble, we embrace opportunities to support our team and clients with purpose and intention. A multi-family office positioned to service generations of clients to come.

Save on lender fees

Qualified teachers and first responders can save up to $500 in reduced lender fees, making it even more affordable to becoming a homeowner.

Lender-paid mortgage insurance options

Different lender-paid mortgage insurance options are available to help reduce your monthly mortgage expense.

Down payment assistance

Combine our specialty program with your down payment assistance, allowing gift funds to be used for 100% of the home purchase down payment.

Interest rate renegotiation option

Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn.

Available for a variety of loan programs

Available for VA, FHA or Conventional mortgages