Los Angeles County employees — one of the largest public workforces in the United States — have access to an exclusive mortgage benefit most never claim.
The short version: LA County employees typically save 0.5–0.75% off standard market rates. On a $600,000 loan, that's roughly $180–$250/month — every month.
All active LA County employees qualify, including Department of Public Health, Sheriff's Department, Probation, Public Works, Social Services, IT, and administrative staff.
Not sure if you qualify? Submit a free request at myrateadvisor.com/lacounty. Your advisor confirms eligibility within 24 hours — no credit pull required.
| Loan Amount | Standard Rate | LA County Employee Rate | Monthly Savings | 30-Year Savings |
|---|---|---|---|---|
| $400,000 | 7.25% | 6.49% | ~$210/mo | ~$75,600 |
| $600,000 | 7.25% | 6.49% | ~$315/mo | ~$113,400 |
| $800,000 | 7.25% | 6.49% | ~$420/mo | ~$151,200 |
Many LA County employees locked in rates of 3%–4% before 2022. California home values are up 40%+ since then. A HELOC or home equity loan lets you access that equity without refinancing your first mortgage — and the LA County employee benefit applies to your HELOC rate too.
Best of both worlds: Keep your 3% first mortgage. Add a HELOC at your LA County employee rate. Your existing rate is never touched.
Fill out the short form at myrateadvisor.com/lacounty. Under 2 minutes. No credit pull.
Your advisor confirms your LA County employment to unlock your exclusive rate tier.
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