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For over 20 years, state, city, and county employees across California have saved thousands of dollars on home financing using our exclusive home loan program.

Discounted Rates Are Just The Beginning…

Discounted Rates

Exclusive Savings

Dedicated Team

Flexible Programs

Streamline Service

Choose an option to get started:

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Exclusive Home Loan Benefits For California Public Employees

Whether you’re looking to buy, refinance, or borrow from the equity in your home, the California Employee Loan Program offers a 50 basis point* mortgage rate discount for city, state, and county employees in California. This means that you could potentially save thousands of dollars over the life of your loan.

In addition to the exclusive rate discount, CELP also provides a variety of other benefits. We offer a wide array of loan products & specialty programs and our team of experienced mortgage professionals will work with you to find the best mortgage options for your specific needs. We will guide you through the process, from pre-approval to closing, and answer any questions you may have along the way. Let’s build something — together.

How to Qualify

If you’re actively employed or retired from the state, city, or county, looking to purchase or refinance a home in California – you are eligible to use our exclusive loan program!

Qualifying for a loan with the California Employee Loan Program works the same way as getting qualified for any conventional or government loan program. Pre-qualification can take as little as 15 minutes, and the service is free! Click the link below to check your eligibility and get started today.

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California homes


What Our Customers Say

Ready to get started? Call us at 810-275-1714