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CalPERS Home Loans

CalPERS home loans assist members of CalPERS, LRS, & JRS with buying a home or a mortgage refinance at competitive mortgage rates, preferred loan terms, and discounted loan fees.

CalPERS home loans offer many advantages to CalPERS members such as: 100% financing*,  60 Day mortgage rate lock and the CalPERS mortgage rate roll-down* benefit.

Learn more about the advantages of CalPERS home loans.

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CalPERS Mortgage Rates

CalPERS mortgage rates fluctuate on a daily basis.

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CalPERS mortgage rate quote.

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Buying or Selling a Home?

CalPERS SMARTMOVE® program offers a cash rebate when buying or selling a home. Learn about CalPERS SMARTMOVE®

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APR Information - CalPERS Home Loan Mortgage Rates Updated Daily before 9:30 am
Conventional CalPERS Loans: APR as well as principal and interest payment (P&I) amounts are based on an 80 percent or less loan-to-value, with CalPERS loan amounts of $160,000 for conforming loans and $417,000 for non-conforming loans with the terms shown and assumes equal monthly payments. Call for additional buyup/buydown fee pricing.

Government (FHA loans) CalPERS Mortgage Loans: APR as well as principal and interest payment (P&I) amounts are based on a 96 percent loan-to-value CalPERS FHA loan, with a CalPERS loan amount of $160,000 with the terms shown and assumes equal monthly payments. On CalPERS loan refinances only, an additional 0.25 percent discount fee may be charged over the buydown fee quoted above.