Short Term Affordable Refinance

STAR is a new kind of real estate loan from Langley Federal Credit Union. It can save you thousands!

With STAR, qualified homeowners can cover up to 115% of their home's value. That's right, up to 115%. Choose between a 7 or a 15 year option. Combined with a low rate and no private mortgage insurance, the savings can be substantial.

STAR is perfect for:

•  Homeowners whose mortgage is more than the value of their house

•  Homeowners wanting a shorter term mortgage

•  Homeowners who want a lower rate

Have a question?

Send us a secure email.

How do I apply for a STAR loan?

757-827-EASY (3279) or 800-588-EASY

Apply online.

Office Hours

  • Monday-Friday 8:30 a.m. - 5:00 p.m.

  • Saturday 9:00 a.m. - 1:00 p.m.

Office Location

LFCU Real Estate Department
11742 Jefferson Avenue, Suite 120
Newport News, VA 23606

Walk-ins are welcomed. However, priority is given to appointments.


* Maximum Loan-To-Value of 115% allowed. Minimum 7 and maximum 15 year mortgage terms. Restrictions apply. Member is responsible for closing costs. Property insurance required. Membership eligibility required. Loan available for Virginia residents only.