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CalPERS Mortgage Refinance Programs

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CalPERS offers refinance mortgage programs for eligible members. You may apply to refinance any existing mortgage(s) on your primary residence into a single first mortgage using CalPERS favorable rates, fees', and terms. Following are the various types of CalPERS refinances currently available to you:
  • Rate and Term Refinance Mortgage - used to lower monthly payment, rate, or term.
  • Cash-Out Refinance Mortgage - used to pull cash out from equity in property.
  • Bill Consolidation Refinance Mortgage - use equity in property to pay off and consolidate existing debt into a single mortgage payment.

Discover your mortgage refinancing options by selecting the loan amount range the best represents your needs:

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