APM's STaR (Savings for Teachers and Responders) Loan Program provides mortgage benefits for public servants and the heroes who serve our communities. The program offers reduced closing costs, lower fees, and flexible mortgage options for eligible teachers, law enforcement, firefighters, EMTs, and other public servants — both active and retired. Contact Q Home Loans to confirm your eligibility and see how much you can save.
Reduce your underwriting fees by up to $500 — putting more money back in your pocket at closing.
Branch processing fees as low as $300. Combined with the underwriting savings, your total closing costs drop significantly.
Stack STaR savings on top of FHA, VA, USDA, or Conventional loans — choose the loan that fits and add STaR benefits.
Both active and retired public servants qualify. Your years of service continue to benefit you when buying or refinancing a home.
Pair STaR with down payment assistance and gift funds for up to 100% of your down payment — maximize every available benefit.
K-12 educators, law enforcement, firefighters, paramedics, correctional officers, and border patrol agents all qualify.
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.
Active or retired teachers, principals, and school counselors looking to save on closing costs when buying or refinancing.
Police officers, sheriffs, highway patrol, and state troopers (active or retired) seeking reduced fees and flexible loan options.
Firefighters, EMTs, and paramedics who want to take advantage of special benefits for public servants.
Correctional officers and border patrol agents (active or retired) looking for mortgage assistance and cost savings.
Get answers to common questions about star program.
Explore other financing options that may fit your situation.
Q Home Loans specializes in star program for homebuyers and investors in Washington. Get expert guidance and competitive rates.