California Employee Loan Program No Cost, Hassle Free Home Loans For California Public Employees

Giving California Public Employees More Homebuying Power

As a California Public Employee you’re entitled to the best deal possible when it comes to home financing and we’re here to give you the flexibility you need to own your own home. You can use this program to save you money and make the whole process easier.

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How to Qualify

If you’re an actively employed or retired from the state, city, or county, looking to purchase or refinance a home in California - you are eligible to use our no cost loan program!

After that, it’s just a matter of choosing the loan type that works best for you with the help of our licensed loan experts. Qualifying for loans with the California Employee Loan program works the same way as getting qualified for any conventional or government loan program. Pre-Qualification can take as little as 15 minutes, and the service is free! The home you are purchasing or refinancing must be in the state of California.

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Today's Rates

Mortgage rates change daily based on the market. Here are today's mortgage rates.

30-Year Fixed VA

(3.25% APR)

Available for active members of the U.S. military and veterans, VA loans provide flexible, low-interest mortgages.


(3.375% APR)

With as little as 3% down and lower costs, borrowers can enjoy a fixed monthly payment and can avoid paying PMI with 20% down.


(2.75% APR)

Similar to the 30-year conventional, borrowers can rely on a fixed monthly payment and save money on interest with the shorter loan length.


(3.375% APR)

With low down payment options and lenient credit requirements, FHA loans can help both repeat and first-time buyers.

These rates are current as of Wednesday, December 8, 2021.

Rate terms and conditions

Terms and Conditions

  • Rates based on 400K purchase price, 25% down-payment, 740 or greater credit score, with 1.5 points due at closing.
  • Mortgage rates can change daily and without notice.
  • Lock period for your rate is 30 days.
  • Estimate payments do not include property taxes or insurance.

Our Testimonials What our customers say

GETTING STARTED Let's get you pre-qualified

Fill out this quick form and one of our home loan experts will give you a call to start the process of finding you a home!

SECURE FORM There is no commitment, and pre-qualification is free.

California Employee Loan Program
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Loan approval is subject to underwriter review: not everyone who applies will be approved. Interest rates are subject to change daily and without notice. Any interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.