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Home Loans For Everyday Heroes

What is the STaR Loan?

At APM, we believe service should be celebrated. That’s why we created the STaR Loan Program—a home financing option designed specifically for those who serve our communities.

Whether you're teaching the next generation, protecting neighborhoods, or saving lives, the STaR Loan helps make homeownership more affordable with exclusive savings and flexible options.

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Who Qualifies?
If You Serve, You May Qualify!

The STaR Loan Program is available to both active and retired professionals in the following roles:

  • HouseBullet_0824_HappyBlue  K-12 Teachers, Principals, and School Counselors (credentialed)
  • HouseBullet_0824_HappyBlue  Law Enforcement Officers (Police, Sheriffs, Highway Patrol—city, county, or state)
  • HouseBullet_0824_HappyBlue  Firefighters, EMTs, and Paramedics (public or private)
  • HouseBullet_0824_HappyBlue  Correctional Officers and Border Patrol Agents
  • HouseBullet_0824_HappyBlue  Nurses including RN, LVN, LPN (Actively working or retired from hospital or clinic)

Retired professionals in these fields may qualify with proof of retirement.

Helping You Save
Where it Counts

  • HouseBullet_0824_HappyBlue  Discounted loan fees 
  • HouseBullet_0824_HappyBlue  Eligible with FHA, VA, USDA, & conventional loans
  • HouseBullet_0824_HappyBlue  Can be paired with down payment assistance & gift funds
  • HouseBullet_0824_HappyBlue  Combine with lender-paid mortgage insurance to reduce monthly payments

Want more information? Download our STaR Loans ebook to learn more!

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How to Qualify

Getting started is simple.

  • Verify your profession with employment or retirement documentation

  • Choose your loan type (FHA, VA, USDA, or conventional)

  • Meet standard loan requirements for the product you choose

  • Work with your APM Loan Advisor to apply and unlock your benefits

Use the STaR Loan for Any Stage of Homeownership

You Serve. We Support

Whether you’re buying your first home, moving into your forever home, or refinancing to save money, the STaR Loan is designed to support your journey. Wherever you are in your homeownership goals, we’re here to help you get there with expert guidance and built-in savings.

Your dedication makes a difference — and you deserve a home loan that gives back. The STaR Loan Program is our way of saying thank you, with benefits that support your goals and recognize your service.

Let’s build something great, together.