Most California employees have mortgage benefits they've never used. Here's exactly how to access them — in four simple steps.
Check My Employer Benefit →Employer mortgage benefits are one of the most underutilized perks in California. Many major employers — including Kaiser Permanente, LAUSD, CalPERS, PG&E, UPS, FedEx, Dignity Health, Sutter Health, and 30+ others — have negotiated preferred mortgage rates for their employees through lender relationships. Most employees never use them because nobody told them they exist.
The key insight: These discounts don't come from your HR department — they come from mortgage brokers who have established relationships with preferred lenders on your employer's behalf. You access them by mentioning your employer when you apply.
Major California employers including Kaiser Permanente, LAUSD, CalPERS, PG&E, UPS, FedEx, Dignity Health, Sutter Health, LA County, CalSTRS, UC system, SEIU members, Northrop Grumman, Lockheed Martin, and USPS all participate. If yours isn't listed, it's still worth checking — additional programs may apply.
Visit MyRateAdvisor.com and fill out a quick form. Mention your employer in the form — this is how your discount gets unlocked. The process takes under 2 minutes and requires no credit pull.
An experienced advisor will contact you within 24 hours. They'll compare rates across multiple lenders — including any employer-specific discounts — and present you with the best available options for your situation: purchase, refinance, HELOC, or cash-out.
If you want to move forward, your advisor handles the full process from application to closing. There's no obligation to proceed after seeing your options.
Takes under 2 minutes. No credit pull. No obligation.
Check My Rate Now →