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Mortgages on California Real Estate, CalPEHL Home Loan Consultants

CalPEHL Mortgage Program by Quality Funding, LLC of California

Today's CalPEHL Rates
Summer Home Picture We've been providing California's Public Employees with great rates and the best customer service with the CalPEHL Program for the refinance and purchase of real estate since 1999. CalPEHL stands for California Public Employee Home Loan Program and is a program developed by Quality Funding to span the gap between other public employee programs. While not all counties and cities participate in CalPERS and not all schools participate in CalSTRS, the CalPEHL program uses job description, not retirement system, as the qualification. Please see a partial list of job descriptions that qualify for our PEHL Program. Now is the perfect time to take advantage of low interest rates and exceptional real estate values. Use our web site to Apply Online, use our Mortgage Tools, view our Frequently Asked Questions, or Contact Us.


Please note, while the CalPERS Member Home Loan Program has been suspended as of the end of 2010 the CalPEHL Program remains unaffected and has several solutions for CalPERS Members seeking to purchase a home with a limited down payment. In the past our CalPEHL Program has been primarily used by Public Employees seeking the most competitive rates and fees and little focus had been given to our Down Payment Assistance programs. The CalPERS Program had always been a great option. Please keep in mind that we have quite a few programs that still allow for up to 100% financing, please call or email us for details.

What sets us above the rest is our personalized service and our goal to provide CalPERS Members competitive rates and fees for their real estate financing needs. The CalPERS Home Loan is a great program for any active or inactive member of CalPERS, LRS, JRS System I and II, and retirees. Although CalPERS Home Loans have reduced rates and fees the program also allows for floatdown opportunities* depending on which lock option the borrower selects. We make refinancing or purchasing a home simple. CalPERS Home Loans have many advantages, besides very competitive rates and fees other benefits include the CalPERS Personal Loan* and up to 90 day locks. Our approach is simple, our CalPERS 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 CalPERS 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.

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.

Please see the list of qualified occupations below:


  • Education
  • Health Care
  • Public Safety
  • City Employees
  • State Employees
  • County Employees
  • Federal Employees
  • Public Utility Companies
  • Department of Corrections
  • Department of Transportation




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

Mortgage interest rates are subject to change unless locked.




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



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