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Mortgages for Teachers on California Real Estate, CalSTRS Home Loans

CalSTRS Home Loan Program



We've been providing California's teachers with great rates and the best customer service on programs, including the CalSTRS Home Loan Program, for over 7 years. Now is the perfect time to take advantage of low interest rates and very affordable real estate values. As a CalSTRS Member you are able to take advantage of the many benefits of the CalSTRS (California State Teachers' Retirement System) Home Loan Programs. The CalSTRS Mortgage may be used to refinance or purchase a primary residence. Whatever may be your residential home loan financing needs, we are there to assist in the process. CalSTRS Members receive lower third party fees while still receiving the benefit of a competitive CalSTRS mortgage interest rate. Home loan programs offered are always subject to underwriting approval and are processed through a CalSTRS Approved Lender. We are a certified and approved CalSTRS mortgage originator.




    Who Is Eligible For A CalSTRS Home Loan?


  • Employees of California public school districts or California community colleges
  • Members of the California State Teachers’ Retirement System
  • CalSTRS employees
  • Inactive CalSTRS members as long as they have funds in their CalSTRS retirement account
  • Retirees receiving CalSTRS benefits
  • What Are The Main Benefits?

  • Available for Purchases or Refinances
  • Competitive Interest Rates
  • Controlled Closing Costs
  • Up to 97% Financing*
  • Free 45 Day Interest Rate Lock and Float Down Opportunity*
  • Gift Funds May Be Used*
  • Sellers Credit May Be Used
  • What Are The Main Programs?

  • Conforming loans
  • Jumbo loans
  • 30 and 15 Year Fixed Rate Mortgages
  • 80/17 Program for Conforming Loan Sizes
  • 80/17 Program for Non-Conforming (Jumbo) Loan Sizes
  • What Are The Fees?

    Although CalSTRS mortgages have up to a 1.25% origination fee, CalSTRS regulates the costs of many third party fees. Please contact one of our CalSTRS approved Loan Officers if you would like to receive an estimate in writing.

    What sets us above the rest is our personalized service and our goal to provide CalSTRS Members competitive rates and fees for their home loan financing needs. The CalSTRS Home Loan is a great program and we at Quality Funding, Inc, make refinancing or purchasing a home simple. CalSTRS Home Loans have many advantages for the CalSTRS Member, besides very competitive rates and fees other benefits include 45 day locks with the extremely unusual Floatdown feature. Our approach is simple, our CalSTRS Certified 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 Certified 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 see the California County list below.


List of Califonia Counties we serve for the CalPERS Member Home Loan Program:

Alameda Alpine Amador Butte Calaveras Colusa
Contra Costa Del Norte El Dorado Fresno Glenn Humboldt
Imperial Inyo Kern Kings Lake Lassen
Los Angeles Madera Marin Mariposa Mendocino Merced
Modoc Mono Monterey Napa Nevada Orange
Placer Plumas Riverside Sacramento San Benito San Bernardino
San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara
Santa Clara Santa Cruz Shasta Sierra Siskiyou Solano
Sonoma Stanislaus Sutter Tehama Trinity Tulare
Tuolomne Ventura Yolo Yuba






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.




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


*Please contact one of our loan officers for additional details



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Program Development Jason Shapiro Tuesday 04 April 2006 - 18:04:52 | Quality Funding
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