California Employee Benefit

Your Employer Unlocks a
Better Mortgage Rate

Employees of major California employers qualify for exclusive discounted mortgage rates not available to the general public. Free to check — no credit pull, no obligation.

Check My Employee Rate →
Takes under 2 minutes · NMLS #1598577
Participating Employers

Does Your Employer Qualify?

MyRateAdvisor works with employees of 30+ California employers and public institutions. If yours isn't listed, mention it — additional programs may apply.

Kaiser Permanente
LAUSD
CalPERS
PG&E
UPS
FedEx
Dignity Health
Sutter Health
LA County
CalSTRS
UC System
SEIU Members
Northrop Grumman
Lockheed Martin
USPS
+ Many More
How It Works

Three Steps to Your Employee Rate

No paperwork, no credit pull. Just a quick check to see what you qualify for.

1

Submit Your Info

Fill out a quick form at MyRateAdvisor.com. Mention your employer to unlock any available discounts.

2

Get Your Options

An experienced advisor reviews your situation and shops lenders to find your best available rate.

3

Lock Your Rate

Choose the option that works for you — purchase, refi, HELOC, or cash-out. No obligation to proceed.

Common Questions

Frequently Asked Questions

Do California employees actually get mortgage discounts?
Yes. Employees of many major California employers may qualify for discounted mortgage rates through employer benefit programs. These rates are negotiated through preferred lender relationships and are below standard retail rates. Eligibility is based on employment — not credit score alone.
What is an employer mortgage benefit program?
An employer mortgage benefit program gives employees access to preferred mortgage rates as part of their total compensation package. Many large employers and public institutions in California participate in these programs, though they are often underutilized because employees don't know they exist.
What types of mortgages qualify for the employee discount?
Employee discounts may apply to home purchases, refinances, cash-out refinances, and home equity lines of credit (HELOCs). Your advisor will review all available options for your specific situation.
Does checking my rate affect my credit score?
No. The initial rate check requires no credit pull and has no impact on your credit score. A hard credit inquiry only occurs if you choose to move forward with a loan application.
How is MyRateAdvisor different from going to my bank?
MyRateAdvisor is a mortgage broker, meaning we shop multiple lenders on your behalf rather than offering only one bank's products. This typically results in more competitive rates. We also specialize in employer benefit programs that your bank may not offer.

Check Your Employee Rate — Free

Takes under 2 minutes. No credit pull. No obligation.

See My Options →