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 Benefit Summary

1. Home Purchase, Cash Out or Rate & Term Refinance
2. Reduced Lender Fees & Discounted Pricing for Qualifying CalSTRS, CalPERS, LRS, JRS members or an employee of a California public agency
3. Lender paid Mortgage Insurance (No PMI) options available with as little as a 3% down payment
4. Available for conforming and high balance FHA & Conventional loans up to a $765,600 loan amount
5. Free One Time Float Down if Rates Improve during the loan process
6. Keys in 21 Days Homebuyer Commitment

CalPATH Refinance Benefits

1. Cash Out is available to 80% 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
5. You can even pay off an existing CalSTRS or CalPERS home loan

---

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.