Explore your StarKEY benefit
Estimate your 1% lender credit (up to $15,000) and see how to apply it toward an interest-rate buydown, eligible closing costs, or flex your benefit with a combination of both.
Estimated StarKEY lender credit
1% of estimated eligible loan amount; maximum $15,000
Apply toward eligible closing costs
Can help cover eligible closing costs, including inspection and appraisal costs.
Set aside for potential rate buydown
Actual interest-rate reduction and payment savings require a lender quote and depend on pricing, product and eligibility.
Illustrative estimate only. The calculator does not determine eligibility, guarantee StarKEY benefit availability, or quote a mortgage rate.
Talk through my numbersYour path to more buying power.
Find your StarKEY-eligible home
Look for StarKEY signage or send an inquiry to confirm a listing qualifies.
Talk with a Texana Loan Officer
You can Apply Now or Schedule a consultation to begin the process.
Get qualified with Texana Bank
Apply and get approved for financing on your StarKEY-eligible home.
Unlock your StarKEY benefit
Apply it toward a rate buydown, eligible closing costs, or a combination of both.
The StarKEY Team
Reviews from homebuyers who worked with our Texana loan officers.
StarKEY FAQ
More questions? A Texana loan officer is ready to help answer questions specific to you.
How is my StarKEY benefit calculated?
Your StarKEY benefit is calculated at 1% of your loan amount, up to $15,000. For example, a $300,000 loan could qualify for a $3,000 lender credit, while a loan of $1.5 million or more could qualify for the maximum $15,000 benefit.
Does every home qualify?
No. The StarKEY benefit applies only to StarKEY eligible properties. Look for StarKEY signage or ask your buyer's agent, the listing agent or your loan officer to confirm a home's eligibility.
Can I receive my StarKEY benefit as cash?
No. Your StarKEY benefit has no cash redemption value. It is a lender credit that can be applied toward eligible closing costs, an interest-rate buydown, or both, up to your total eligible costs.
Can I use any lender?
Yes, the purchase of the home is not contingent upon using Texana Bank. However, you must finance through Texana Bank to receive the StarKEY benefit.
Can I use my own buyer’s agent?
100%. You can continue working with your preferred buyer’s agent. StarKEY does not require you to change agents. Your buyer’s agent remains your representative throughout the homebuying process.
When does the offer end?
The current StarKEY offer is valid for applications submitted on or before December 31, 2026. The expiration date may be extended at the discretion of Texana Bank.
Start with a Conversation?
Not ready to apply or just have a few questions? Choose a day and time that works for you, and a Texana loan officer will gladly reach out to discuss your goals, confirm StarKEY eligibility, or simply answer your questions.
- No obligation to apply
- Rate buydown vs. closing costs
- Next steps to get qualified