As a public employee, you pay less for your home loan.

If you are active or retired CalPERS or CalSTRS member, or a member of any other Public retirement system in the state of California - you are eligible!

CELP - California Employee Loan Program

Loan discount program Pay less for your mortgage or refinance

Our goal has been to provide public employees in California unparalleled service and accountability. We offer a $859 discount on our loan fees, which can be used with a home purchase or refinance, with almost all of our loan programs.

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Double your savings Save more by using our preferred agent network

We have partnered with experienced Real Estate Agents throughout the State of California to increase your savings and to ensure you receive the best service imaginable. If you’re serious about saving, doubling your discount is easy to do.

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Getting familiar with home loans

Home loans can be a confusing subject. Although a loan officer is your best resource for answering all of your loan questions, we have some information to better educate you. You can check out the home loan programs we offer, and you can also learn about credit, mortgage terminology, see the benefit of buying, and see what you can afford here.

How to Qualify

Qualifying for loans with the California Employee Loan program is the same as getting qualified for any Conventional or Government loan program. Pre-Qualification can take as little as 15 minutes, and the service is free!

Let's Get Started...

There's no commitment, and pre-qualification is free

We take your privacy seriously. You will be asked to double opt into this list and we will not share your information. You will only receive communications from us that are specific to the California Employee Loan Program. We appreciate you taking the time to show your interest!