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Mortgages on California Real Estate, Certified CalPERS Home Loan Consultants

CalSTRS Home Loans by Quality Funding Mortgage, LLC of California

  30 Year Fixed Rate  
 15 Year Fixed Rate  
  * Suspended

  * or
  * Free Rate Quote
  * Suspended

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While the CalSTRS Home Loan program is currently suspended, please Click Here For More CalSTRS Home Loan Information. In the past, the CalSTRS Home Loan program has been a great option for teachers that are members of the California State Teachers' Retirement System, and we do wish to see it return soon. Not only does it have fantastic rates for refinancing, it also provides up to 97% financing options that include low interest rates, low fees, and NO Mortgage Insurance for purchasing a home!

Summer Home PictureWe've been providing home loans for teachers in California with great rates and the best customer service with the CalSTRS Home Loan Program for the refinance and purchase of real estate since 1999. Now is the perfect time to take advantage of low interest rates and an exceptional real estate market. Use our web site to Apply Online, use our Mortgage Tools, view our Frequently Asked Questions, or Contact Us.

What sets us above the rest is our personalized service and our goal to provide CalSTRS Members competitive rates and fees for their real estate financing needs. The CalSTRS Home Loan is a great program for any active or inactive member. Although CalSTRS Home Loans have reduced rates and fees the program also allows for a floatdown opportunity. We make refinancing or purchasing a home simple. CalPERS Home Loans have many advantages, besides very competitive rates and fees other benefits include 97% financing with no mortgage insurance, and up to 45 day locks. Our approach is simple, our loan officers are experienced professionals and when a request for a Rate Quote, or a Mortgage Application is received, your loan officer analyzes your request and contacts you quickly to discuss your options. Whether you seek a mortgage for a refinance or purchase having a knowledgable CalSTRS Mortgage Consultant assist you ensures a quality experience. You receive calls and/or emails from only one person. We have a physical location, as well. We are not strictly limited to the internet so if you are more comfortable meeting your loan officer in person please feel free to call for an appointment. *Please note, we receive many questions on CalSTRS Personal Loans. CalSTRS does not allow Members to borrow from their pension plan for down payment assistance. CalPERS is the only program that currently has this feature. Still, the CalSTRS Home Loan Program does allow for up to 2% of the purchase price to be gifted. This leaves a Member with a minimum of only 1% that must come from their own funds.

Our process is streamlined and most refinance mortgages may be funded within 20 days, purchases in 15 days. We currently only lend within California and have a network of appraisers and title companies in every area of the state. Our rates are usually posted by 9 a.m. Monday through Friday. Please contact one of our Mortgage Consultants for a rate quote and to obtain a Good Faith Estimate. Fees can vary due to credit scores and equity, and are subject to change.

Whatever your residential financing needs, we will provide a loan that's right for you:

  • CalSTRS Home Loans
  • Purchase
  • Refinance
  • Limited Down Payment
  • Home Improvement
  • Jumbo Loans
  • Debt Consolidation Loans
  • Up to 97% Financing*
  • Interest Rate Floatdown Opportunity*
Equal Housing Lender

To apply for a CalSTRS Home Loan please complete the online loan application! A CalSTRS Mortgage Consultant will contact you within one business day.

*CalSTRS Mortgage interest rates are subject to change unless locked.

*CalSTRS rates quoted are for primary residences with 20% equity and credit score above 700.

*For other scenarios please contact us directly as we do have options for Second Homes and Investment Properties.

*For details, please refer to our CalSTRS Member Home Loan Program page.

Licensed by the California Department of Real Estate Broker's License #01871737

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