What is the STAR Program?

The STAR (Special Terms and Assistance for Residents) Program is a down payment assistance program that helps qualified homebuyers with funds for down payment and closing costs. It is designed to make homeownership achievable for those who have the income to afford monthly payments but struggle to save for upfront costs.

How much assistance does the STAR Program provide?

The STAR Program typically provides up to 3-5% of the purchase price in down payment assistance. The exact amount varies based on the specific program and your qualifications. This assistance can be structured as a grant, forgivable loan, or low-interest second mortgage.

Do I have to repay the down payment assistance?

It depends on the specific STAR Program structure. Some programs offer grants that never need to be repaid. Others provide forgivable loans that are forgiven after you live in the home for a certain period (typically 3-5 years). Some are structured as deferred loans repaid when you sell or refinance.

What are the income requirements?

STAR Program income limits are based on area median income (AMI) and vary by county and household size. Generally, your household income must be at or below 80-120% of AMI. We can help you determine if you qualify based on your specific situation and location.

Can first-time and repeat buyers use the STAR Program?

While many down payment assistance programs are limited to first-time buyers, some STAR Program options are available to repeat buyers as well. First-time buyer status typically means you have not owned a home in the past 3 years.

How do I apply for the STAR Program?

Contact us to get started! We will review your financial situation, determine which programs you qualify for, and guide you through the application process. Having your income documents, tax returns, and bank statements ready will help speed up the process.

STAR Program | Q Home Loans

What is STAR Program?

APM's STaR Loan Program provides mortgage loans for public servants and the heroes who serve our communities. This program offers reduced closing costs, competitive interest rates, and flexible mortgage options to those who dedicate their lives to service—including teachers, law enforcement, firefighters, and first responders.

Why Choose STAR Program?

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Save Up to $500

Save up to $500 in underwriting fees, reducing your overall closing costs.

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Low Processing Fees

Pay as little as $300 in branch processing fees for streamlined service.

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Multiple Loan Types

Works with FHA, VA, USDA, and Conventional loans—choose what fits your needs.

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Down Payment Assistance

Combine with payment assistance programs and use gift funds for up to 100% of your down payment.

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Active or Retired

Available to both active and retired public servants in eligible professions.

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Lower Monthly Payments

Pair with lender-paid mortgage insurance to lower your principal and interest payment.

How It Works

The STaR Loan Program recognizes the valuable service provided by teachers, law enforcement officers, firefighters, EMTs, and nurses by offering discounted loan fees and flexible financing options. First, verify your eligibility as an active or retired professional in one of the qualifying fields. Then, choose your preferred loan type (FHA, VA, USDA, or conventional) based on your needs. Meet with a Q Home Loans advisor to discuss your options and learn about available down payment assistance programs. Finally, work with our team to complete your application and enjoy the exclusive benefits designed specifically for everyday heroes like you.

Who Should Consider STAR Program?

Teachers & Educators

Active or retired teachers, principals, and school counselors looking to save on closing costs when buying or refinancing.

Law Enforcement Officers

Police officers, sheriffs, highway patrol, and state troopers (active or retired) seeking reduced fees and flexible loan options.

Firefighters & First Responders

Firefighters, EMTs, and paramedics who want to take advantage of special benefits for public servants.

Correctional & Border Patrol

Correctional officers and border patrol agents (active or retired) looking for mortgage assistance and cost savings.