Borrowers save thousands with Public Employee Pricing™
How We Stack Up Against Typical Lenders
Because when you serve California, you deserve a lender that serves you, with better rates, simpler terms, and zero runaround.
Specialized lending tools for public employees
Public Employee Pricing™ gives you exclusive access to better mortgage rates and lower costs — just for serving California’s communities.
Our PartnerAgent™ network connects you with agents who understand your goals and deliver seamless communication from offer to close.
RateEdge™ ensures you always get the best possible deal — if you find a better quote, we’ll match it.
FlexSave™ lets you decide how to use your savings — lower your rate or your costs.
OfferReady™ gives you a verified pre-approval sellers trust — so your offer stands out.
FeeFighter™ keeps everyone accountable — every fee tracked, verified, and explained.
After analyzing 250+ reviews, here’s what customers say most:
Just completed our refinance and it was a breeze! Megan and Jacquie are an amazing team! They are smart, hardworking, caring and knowledgeable!…
Olga G.
I had a truly wonderful experience working with Happy Dog. From the very beginning, the team was professional, helpful, and prompt in guiding me through each step of the home loan process…
Jenny U.
I am glad I chose CELP and Mike McGee was outstanding with his service. He was always available for me. He explained the details and helped me out along the way…
Lorena S.
Mike McKee, excellent service. His patience helped me to walk through the homebuying process with ease. He was available whenever I contacted him…
Althea O.
I discovered Jason and HappyDog through a websearch “California Employees Home Loan”. We had just found out we were going to lose our rental and needed to purchase a home…
Chris L.
OMG!!! Mike Mckee is phenomenal…I worked with him for almost 2yrs..I had lots of issues prior to opening and he continued to reach out to me and stay in contact…
Valerie S.
HappyDog was easy to work with and highly responsive during our escrow process. I highly recommend them.
Taylor M.
Mike McKee’s professionalism and efficiency are truly impressive. He seamlessly guides clients through the lending process with his expertise…
Edward K.
Tori was amazing! She was providing several options for our budget for us to review and explained pros and cons with each option…
Mariah H.
Start your journey to homeownership with a mortgage program designed for public employees
The CELP Difference
We designed each one to simplify your journey, save you money, and give you confidence from application to close.
We deliver the most competitive mortgage rates
Eliminate hidden fees and unexpected financial barriers
Innovative financial solutions tailored to your unique career path
Powerful financial tools designed to transform how public employees access home financing
Ask Us
For any unanswered questions, reach out to our support team. We’ll respond as soon as possible to assist you.
The length of your transaction is determined by an individual’s situation. With that said, Happy Dog generally closes our loans within 30 days and our promise to you is that we will close on time and smoothly.
Our discounts are available to any borrower who is employed by or retired from the state, city or county. The loan options will be determined by your credit history as well as comparing your income and your current debt.
You’ll need proof of employment, recent pay stubs, tax returns, and identification. We’ll walk you through the full list during your eligibility check. Having these ready speeds up the process.
As mortgage brokers, we have access to a wide network of lender partners, allowing us to shop multiple options on your behalf. This flexibility helps us find competitive rates and loan programs that align with your specific scenario.
Rates vary based on market conditions and borrower qualifications. All loans are subject to credit approval.
Yes, refinancing is a common strategy for homeowners. If rates drop or you’d like to access equity through a cash-out, refinancing your home loan can be a helpful option. Our team can guide you through all available options.
Refinancing is subject to market conditions, lender guidelines, and credit approval.
For any unanswered questions, reach out to our support team. We’ll respond as soon as possible to assist you.
No credit hit, no spam, no call centers – just clear answers from real people who understand California’s public employees.
