Who Qualifies?
All active LA County employees qualify, including Department of Public Health workers, Sheriff's Department, Probation, Public Works, Social Services, and administrative staff.
Not sure if you qualify? Submit the form above — your advisor confirms eligibility within 24 hours with no credit pull required.
How Much Can LA County Employees Save?
| Loan Amount | Standard Rate | LA County Employee Rate | Monthly Savings | 30-Year Savings |
|---|---|---|---|---|
| $400,000 | 7.25% | 6.49% | ~$210/mo | ~$75,600 |
| $600,000 | 7.25% | 6.49% | ~$315/mo | ~$113,400 |
| $800,000 | 7.25% | 6.49% | ~$420/mo | ~$151,200 |
Already Have a Low Rate? You Still Benefit.
Many LA County employees locked in rates of 3%–4% before 2022. California home values are up 40%+ since then — meaning significant untapped equity sitting in your home. A HELOC or home equity loan lets you access it without refinancing your first mortgage. The LA County employee benefit applies to your HELOC rate too.
Best of both worlds: Keep your 3% first mortgage. Add a HELOC at your LA County employee rate. Your existing rate is never touched.