CalPATH Home Loan Benefits

Since 2013, Mountain West Financial and the CalPATH - California Public Employee & Teacher Home Loan Program have been providing home loan solutions for Teachers, Police Officers, Firefighters and other Public Employees in California. Our PATH home loan program was introduced in 2014 and is available in other states listed below.

Our CalPATH/PATH programs are available for purchase (or) refinance and best of all, you do not need to be a first time homebuyer to take advantage of this incredible home loan benefits available for public employees who serve our local communities!

CalPATH Home Purchase & Refinance Benefits

  1. Reduced Lender Fees & Discounted Pricing for Qualifying California Public Employees
  2. Lender paid Mortgage Insurance (No PMI) options available with as little as a 3% down payment
  3. Available for conforming and high balance FHA & Conventional loans up to a $679,650 loan amount
  4. Free One Time Float Down if Rates Improve during the loan process
  5. Keys in 30 Days Homebuyer Commitment
  6. PATH Home Loan Program Now Available in states outside of California.

CalPATH Refinance Benefits

  1. Cash Out is available to 85% of your home value
  2. Pay off a 2nd Mortgage (or) Line of Credit
  3. Proceeds may be used for home improvement, credit card consolidation, student loan payoff (or) any other purpose!
  4. Eliminate Mortgage Insurance (or) change the terms of an existing loan


Begin Your Quick Quote Application

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CalPATH Refinance with Cash Out

Who Is Eligible for CalPATH?

To be eligible for CalPATH, you must be a member in one of the following retirement funds in California:


  1. California State Teachers Retirement System (CalSTRS)
  2. California Public Employees Retirement System (CalPERS)
  3. Legislators Retirement System (LRS)
  4. Judges Retirement System (JRS)
  5. Or an Employee of a California Public Agency

Our PATH – Public Employee & Teacher Home Loan Program is available for public employees serving Arizona, Colorado, Nevada, Oregon, Texas, Utah, and Washington.

Please take a moment to visit our CalPATH Resource Center and view our educational video series to learn more about the program benefits that have helped CalPATH become our #1 home loan program for public employees serving the state of California and other participating states.

If you have any questions about the CalPATH home loan program, please contact us directly at 800-310-7577, 8:30 AM to 8:00 PM., register for our CalPATH Newsletter and receive complete program guidelines and updates as they are released, or apply online to begin the loan process.

CalPATH Press Releases – learn more about the history of CalPATH and our ongoing commitment to those who serve our local communities.

CalPATH Q&A – get answers to frequently asked questions about our California Public Employee and Teacher Home Loan Program.

CalPATH Testimonials – find out what your colleagues have to say about Mountain West Financial and the CalPATH Home Loan Program.

CalPATH is our way of saying Thank You for all you do to serve your local community.