Pacific Gas & Electric employees across California have access to an exclusive mortgage benefit that most employees never know about — and almost none ever use.
PG&E employees qualify for exclusive discounted mortgage rates through MyRateAdvisor — rates that aren't available at any bank or general broker. MyRateAdvisor's 25-year relationships with top lenders unlock preferred pricing for PG&E's stable, high-earning workforce.
The short version: PG&E employees typically save 0.5–0.75% off standard market mortgage rates. On a $500,000 loan, that's roughly $150–$210/month — every month, for the life of the loan.
All active PG&E employees in California — field workers, engineers, office staff, union (IBEW) and non-union employees alike.
Not sure if you qualify? Submit a free request at myrateadvisor.com/pge. Your advisor confirms eligibility within 24 hours — no credit pull required.
| Loan Amount | Standard Rate | PG&E Employee Rate | Monthly Savings | 30-Year Savings |
|---|---|---|---|---|
| $400,000 | 7.25% | 6.49% | ~$210/mo | ~$75,600 |
| $500,000 | 7.25% | 6.49% | ~$262/mo | ~$94,300 |
| $700,000 | 7.25% | 6.49% | ~$367/mo | ~$132,100 |
Many PG&E employees locked in rates of 3%–4% before 2022. California home values are up 40%+ since then — meaning many are sitting on $150,000–$400,000 in untapped equity. A HELOC or home equity loan lets you access it without refinancing your first mortgage. The PG&E employee benefit applies to your HELOC rate too.
Best of both worlds: Keep your 3% first mortgage. Add a HELOC at your PG&E employee rate. Your existing rate is never touched.
Fill out the short form at myrateadvisor.com/pge. Under 2 minutes. No credit pull.
Your advisor confirms your PG&E employment to unlock your exclusive rate tier.
Personalized rate options within 24 hours. No pressure — move forward only when you're ready.
Free quote in 2 minutes. No credit pull. No obligation. Licensed advisor responds within 24 hours.
Check My PG&E Rate →