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

If you are an active or retired member of CalPERS, CalSTRS, or any public retirement system in the state of California – you are eligible for up to $1899* in credits towards your closing costs.

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 $899 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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ABOUT OUR PROGRAM

We strive to provide superior quality service because we understand the value of a home. A house can be just a space, but a home is where your family belongs. We value our clients, and we work hard to create the best lending experience for them. We have been providing public employees in the state of California discounts on their home loans since 2010, when CalPERS discontinued their home loan program. The California Employee Loan Program (CELP) was designed to give public employees the best deal possible when it comes to home financing. Since 2010, we have helped over 500 state, city, and county employees make their dreams of homeownership come true. Let us help you too.

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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!

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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!

THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT