Loan Types

Conventional Fixed-Rate CalPERS Home Loans

We offer conventional fixed rate loans with 10-30 year terms, a maximum of 97 percent loan-to-value (LTV)* and loan amounts up to $1,202,800.

Conventional CalPERS loans can be combined with the Community Home Buyer and Mortgage Credit Certificate (MCC) options to assist first-time home buyers and low-to-moderate income home buyers.

*Certain restrictions apply, call for 1-866-460-6040 for details.

Government FHA Loans

CalPERS FHA loans include many features to help you qualify for a home loan. These include more liberal qualifying guidelines and higher LTV ratios, compared to conventional CalPERS Home Loans.Ê

We offer 30-year FHA fixed-rate mortgages with up to 97.65 percent (98.75 percent for property values less than or equal to $50,000) in accordance with standard FHA guidelines.

Getting Started

To get your CalPERS home loan simply fill out the Mortgage-Pros.net loan application, or give us a call at 1-866-460-6040.