The STaR Loan Program is designed for a variety of active and retired professionals in eligible fields including:

• Teachers, Principals, and School Counselors – Full-time or retired individuals working in public or private K-12 schools with a valid teaching credential.
• Law Enforcement Officers – Including Police, Sheriffs, Highway Patrol, and Troopers who are either currently employed full-time or retired.
• Firefighters and First Responders – Those working full-time for city, county, state, or private companies, including EMTs and paramedics, or retired individuals.
• Correctional Officers and Border Patrol Agents – Full-time employees or retirees from city, county, or state law enforcement agencies.
• Nurses – Registered Nurses (RN) and Licensed Vocational Nurses (LVN) employed full-time in hospitals or clinics, or those who are retired.

The STaR Loan Program is aimed at reducing the financial barriers to homeownership for public servants. The program offers key benefits, including:

• Fee Reductions – The STaR Loan Program reduces lender fees by $500, making it more affordable for eligible borrowers.

Flexible Loan Options – The program works with a wide range of standard loan products, including FHA, VA, USDA, and conventional loans. It also covers specific low-down payment options such as HomeReady and Home Possible.

If you’re eligible for the STaR Loan Program, you can use it for a variety of purposes, whether you’re buying your first home, purchasing a new one, or refinancing to lower your interest rate, reduce your monthly payments, or shorten your loan term. No matter your homeownership goals, we’re here to help make the mortgage process smoother.

Here’s how you can qualify:

• Provide proof of your employment in an eligible public service profession.
• If you’re retired, you’ll need to show documentation of your retirement, such as a retirement statement.
• Select the loan product that works best for your needs—options include FHA, VA, USDA, or conventional loans.
• Meet the standard qualification requirements for your selected loan type and the loan amount you need.

If you’re a public servant, the STaR Loan Program is designed with you in mind. Whether you’re buying your first home, upgrading to a larger space, or refinancing your current mortgage, this program can help reduce costs and make the process smoother.

With access to standard loan products and a reduction in fees, the STaR Loan Program is a great opportunity to move forward with your homeownership goals.

At US Lending Company, we believe in supporting those who support our communities. With the STaR Loan Program, we want to ensure that everyday heroes have the tools they need to achieve the dream of homeownership, whether they’re teachers, first responders, or healthcare professionals.

Our dedicated loan advisors are here to guide you through the process and provide personalized support every step of the way.

If you work in an eligible career field and want to learn more about how the STaR Loan Program can help you buy or refinance a home, we’re here to assist.

Connect with a US Lending Company Loan Advisor today and take the first step toward homeownership.

Click here to connect with a US Lending Company Loan Advisor.