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Home Loan Program Advantages

Low Cost Loans with Many Options

Whether you are dreaming of buying a new home, lowering your existing payments, or taking cash out, the CalSTRS Home Loan Program can help by offering competitive rates on a variety of mortgage loan programs:

80/17 Program — Qualifying for a larger home mortgage is now available because of the low payment during the 5-year second mortgage deferral period.Mortgage loan amounts are available up to $417,000 on the first and $88,612 on the second.
30 year fixed rate also available - purchase or refinance

Work with Mortgage Experts

San Diego Mortgage Network and Guild Mortgage - your STRS experts

We’re on Your Side

All program interest rates are set daily and are very competitive in the industry.
You will receive a FREE 30-day interest rate lock upon acceptance of your offer, to protect you from rising rates.
In the event interest rates fall after you have applied for your loan, CalSTRS offers you a one time interest rate reduction (float down option) - saving you money.

Your Money Works for You

Income derived from mortgage payments goes directly into the Teachers' Retirement Fund.

Additional Teacher Mortgage Program

Visit the California Housing Finance Agencies Web site for information about the Extra Credit Teacher Home Purchase Program (ECTP).