UPS employees across California have access to an exclusive mortgage benefit that most employees never know about — and almost none ever use.
UPS employees — from drivers to corporate staff — qualify for exclusive discounted mortgage rates through MyRateAdvisor. Lenders compete for the business of stable, employed workforces, and UPS employees are highly attractive borrowers.
The short version: UPS 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 UPS employees in California — package car drivers, feeder drivers, warehouse and hub employees, supervisors, managers, and administrative staff. Both Teamsters and non-union employees qualify.
Not sure if you qualify? Submit a free request at myrateadvisor.com/ups. Your advisor confirms eligibility within 24 hours — no credit pull required.
| Loan Amount | Standard Rate | UPS 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 UPS 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 UPS employee benefit applies to your HELOC rate too.
Best of both worlds: Keep your 3% first mortgage. Add a HELOC at your UPS employee rate. Your existing rate is never touched.
Fill out the short form at myrateadvisor.com/ups. Under 2 minutes. No credit pull.
Your advisor confirms your UPS 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 UPS Rate →