CalPATH

Home Loan Benefits for
California Teachers, Police & Firefighters

Mountain West Financial is more than just another mortgage lender and CalPATH is more than just a mortgage loan.

We help teachers, police officers, firefighters and other California public employees budget, save money and develop a financial plan for retirement by utilizing their home mortgage as a wealth building tool.

CalPATH Home Loan Benefits

Home Purchase, Cash Out or Rate & Term Refinance
Reduced Lender Fees & Discounted Interest Rate Pricing for Qualifying CalSTRS, CalPERS, LRS, JRS members or an employee of a California public agency
Lender paid Mortgage Insurance (No PMI) options available with as little as a 3% down payment
Available for conforming and high balance FHA & Conventional loans up to a $822,375 loan amount
Free One Time Float Down if Rates Improve during the loan process
Keys in 21 Days Homebuyer Commitment

CalPATH Refinance Benefits

Cash Out is available to 80% of your home value
Pay off a 2nd Mortgage (or) Line of Credit
Proceeds may be used for home improvement, credit card consolidation, student loan payoff (or) any other purpose!
Eliminate Mortgage Insurance (or) change the terms of an existing loan
You can even pay off an existing CalSTRS or CalPERS home loan

CalPATH Borrower Requirements

Active, inactive, or retired members of any of the following:

California State Teachers Retirement System (CalSTRS) members, employee of a California public school district, or California state university or junior college or
California Public Employees Retirement System (CalPERS) member and employees of a public agency that contributes to CalPERS or
All Public Employees (city, county, state), Educators, Teachers, Police/Peace Officers, Law Enforcement, Firefighters, Emergency Medical Technicians, CalTrans, Judges, and Legislators, and clerical/administrative city, county or state agency employees or
Proof of eligibility requires a copy of a benefit statement, pay stub, or verification of employment from a public employer or school district

If you have any questions about the CalPATH home loan program, please contact our CalPATH Hotline @ 800-310-7577, 8:30 AM to 8:00 PM., or apply online to begin the loan process.

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CalPATH Promotion

**CalPATH eligible loans only with a minimum loan balance of $400,000 and a qualifying credit score above 700.

CalPATH Property Requirements

1-4 Single family residence (SFR)
Detached PUD (planned unit development)
Condo

CalPATH Press Releases – learn more about the history of the CalPATH home mortgage loan for CalSTRS & CalPERS retirement fund members and active employees of a California public agency.

CalPATH Q&A – get answers to frequently asked questions about our California Public Employee and Teacher Home Loan Program for CalSTRS, CalPERS, LRS and JRS retirement fund members.

CalPATH Testimonials – find out what CalSTRS & CalPERS retirement fund members have to say about Mountain West Financial and the CalPATH Home Loan Program.