Do CalPERS members get special mortgage rates?

Yes. CalPERS members in California qualify for exclusive discounted mortgage rates. Most members are unaware this benefit exists. You can check your rate with no credit pull required.

How do CalPERS members access their mortgage benefit?

Fill out the short form on this page. An experienced advisor familiar with CalPERS benefits will reach out within 24 hours to verify your membership and present your exclusive rate.

Is there a credit pull to check my CalPERS employee rate?

No. You can check your exclusive CalPERS employee mortgage rate with no credit pull and no obligation.

Can CalPERS employees access home equity without refinancing?

CalPERS employees with equity in their home can access it through a HELOC or home equity loan without giving up their existing mortgage rate.

🏛️ Exclusive Benefit for CalPERS Members

CalPERS Members Qualify for a Better Mortgage Rate.

CalPERS members and California state employees have access to exclusive discounted mortgage rates through MyRateAdvisor — a benefit built into your membership.

No credit pull to get started. No obligation. An experienced advisor responds within 24 hours.

Your Benefit

Your CalPERS mortgage benefits include:

✓Exclusive rate discount for CalPERS members

✓Available for home purchase, HELOC, and refinance

✓Access home equity without touching your existing rate

✓Dedicated advisor — no pressure, no obligation

Available to all active and retired CalPERS members

Rate Advantage

Standard Market Rate

6.25%

Employee Rate 🏆

5.99%

Save $312/mo

Credit Pull Required

No ✓

Obligation

None ✓

How It Works

3 Steps to Your Employee Rate

Takes 2 minutes. No credit pull. An experienced advisor reaches out within 24 hours.

Submit Your Info

Fill out the short form below. Just the basics — takes under 2 minutes.

Verify Your Employment

Your advisor confirms your CalPERS employment to unlock your exclusive rate.

Get Your Rate

Receive your personalized rate options. No pressure — move forward only when you're ready.

Free Quote — No Credit Pull

Claim Your CalPERS Employee Rate

An experienced advisor will reach out within 24 hours with your personalized rate. No pressure, ever.

First Name

Last Name

Phone

What Are You Looking For?

Credit Score

✅ CalPERS Employee Confirmed

Your employer has been pre-selected. Your advisor will verify your CalPERS employment to unlock your exclusive rate.

📱 SMS Opt-In

By submitting this form, I agree to receive text messages from MyRateAdvisor. MyRateAdvisor sends text messages to customers who have submitted a mortgage inquiry. Messages include inquiry confirmation, advisor follow-up scheduling, appointment reminders, and status updates on their loan request. Message frequency may vary. Message & data rates may apply. Reply STOP to cancel. View our Privacy Policy.

By submitting, you agree to our Privacy Policy and Terms of Service, and consent to be contacted by a MyRateAdvisor mortgage professional (NMLS #1598577). We never sell your information. Must be 18+.

✅

You're all set!

An experienced Rate Advisor will reach out within 24 hours to confirm your CalPERS employee benefit and share your personalized rate options.

Client Stories

Real Employees, Real Savings

★★★★★

"I had no idea my employer unlocked a better mortgage rate. MyRateAdvisor saved me over $300 a month. Couldn't believe how simple it was."

David K.

Los Angeles, CA

★★★★★

"My advisor was upfront and honest the whole way. No pressure, no tricks. Just found me a great rate I couldn't get at any bank."

Sandra M.

San Diego, CA

★★★★★

"Took 10 minutes to submit my info. Within 24 hours I had a rate offer better than anything I'd seen. This benefit is real."

Marcus T.

Oakland, CA