STaR Loan Program: Home Loan Benefits for Teachers, First Responders and Other Heroes
American Pacific Mortgage created the STaR Loan Program for people who serve their communities. It’s designed to make buying or refinancing a home more affordable for eligible professionals.
STaR Loan Program: Mortgage Savings for Teachers and First Responders
APM’s STaR Loan Program is designed for teachers, law enforcement, firefighters and other community heroes. Who’s eligible and how to ask about it.
Who is eligible?
According to APM, eligible professionals include active and retired:
• K-12 teachers, principals and school counselors with a valid credential
• Law enforcement officers, including police, sheriffs, highway patrol and troopers
• Firefighters and first responders, including EMTs and paramedics
Can it be combined with other programs?
Often, teachers and first responders also qualify for state, local and employer-based assistance. For example, Texas and Georgia have programs for educators and first responders. [LINK: DOWN PAYMENT ASSISTANCE] I’ll compare everything you may qualify for so you don’t leave money on the table.
How do you use it?
1. Tell me your profession, and whether you’re active or retired.
2. We confirm eligibility and check the current benefits.
3. We compare STaR against other options for your situation.
Why compare instead of just taking the first offer?
Because the biggest headline number isn’t always the best deal. A program with a smaller benefit but a better rate or fewer restrictions might cost you less overall.
Do you serve your community? Ask about the STaR Loan Program
Eligibility and benefits are subject to APM’s program terms. Not a commitment to lend.
Mike Belfor, Branch Manager and Mortgage Loan Originator, American Pacific Mortgage, NMLS 264700 (Company NMLS 1850). Equal Housing Opportunity. Updated September 18, 2026.
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