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.
The STAR program is our way of saying thank you to the teachers, firefighters, police officers, nurses, and government workers who serve our community.
STAR assistance helps cover down payment and closing costs — making homeownership more accessible for public servants.
STAR helps public servants afford homes in the communities they protect and serve.
As an APM division, Q Home Loans has access to STAR and other exclusive programs not available through other lenders.
Our team understands the unique financial situations of public servants and provides personalized guidance.
Homeownership is one of the most effective wealth-building tools — STAR helps you get started sooner.
Get answers to common questions about star program.
The STAR (Special Terms and Assistance for Residents) Program is an American Pacific Mortgage exclusive program that provides down payment assistance and mortgage benefits for eligible public servants including teachers, first responders, healthcare workers, and government employees.
Eligible occupations typically include K-12 teachers and school staff, law enforcement officers, firefighters, EMTs and paramedics, nurses and healthcare workers, and federal/state/local government employees.
The assistance amount varies based on loan amount and program version. Contact Q Home Loans for current STAR program benefit levels in your area.
No. The STAR program is available to eligible public servants regardless of whether they have owned a home before.
Employment verification is straightforward — typically a letter from your employer or HR department confirming your eligible position. Q Home Loans handles the rest.
Q Home Loans specializes in star program for homebuyers in Washington, Idaho, and the Pacific Northwest.