Who is offering the loan when Tom and Maggie sign a promissory note to Star Homes?

When Tom and Maggie sign a promissory note to Star Homes, it indicates that they are borrowing money from Star Homes, which is extending the loan to them. In this context, Star Homes functions as the lender. The promissory note serves as a written promise by Tom and Maggie to repay the borrowed amount under specified terms. As the entity that provides the loan, Star Homes is therefore the correct answer.

The other options involve individuals or entities that may provide loans in different scenarios, but in this specific case, it is Star Homes that is lending the money to Tom and Maggie, making it the primary party offering the loan.