Most Buyers Can Afford More Than They Think

First Time Home Buyers

Home Buying

What if buying a home was easier — and more affordable — than you thought?

Most buyers overestimate what it takes to qualify for a home. With the CELP Team, it only takes a few minutes to see what’s truly possible — and you can do it all from the comfort of your own sofa.

Fast, easy, and stress-free
Apply online in just minutes — no paperwork, no pressure, and no impact on your credit score.

Exclusive discounts for public employees
Our CELP program offers special savings that can help lower your rate and reduce upfront costs, making homeownership even more accessible.

Clear, honest numbers
No hidden fees. No surprises. Just real answers you can trust.

You might qualify for more than you think — and it’s easier than ever to find out.

Company News

Uncategorized

New Look. Same CELP You Trust.

If you’ve worked with us before, you already know what we’re about, helping California public employees navigate homeownership with better options, better guidance, and a smoother experience. Now, that same

Home Prices

Home Refinance

The 10-Year Treasury Just Dropped Below 4% — What That Means for Mortgage Rates (and Public Employees)

For the first time in almost a year, the 10-year Treasury yield has fallen below 4%. Why does this matter? Because mortgage rates are closely tied to the 10-year Treasury

Home Refinance

Market Update

Mortgage Rates

Don’t Miss Your Refi Window: How Refinancing Could Save You Hundreds Each Month

If you’ve been keeping an eye on mortgage rates, now is the time to lean in. They’re at a level that could mean serious savings—we’re talking hundreds of dollars a