CalSTRS Home Loan Program

Home Loan Program Pricing

Pricing adjustments may be applicable based on individual loan characteristics (such as program, LTV, FICO, property type, etc).

Home Loan Program Interest Rates

Conventional Loan Program

(Up to 1% Origination Fee)
Conforming Loans
to $417,000
  Rates
30 Year: 5.250%
15 Year: 4.875%
Non-Conforming Loans
from $417,001 to $834,000
  Rates
30 Year: 6.250%
15 Year: 5.875%

CalSTRS Zero Down Preferred 95/5 Program

(Up To 1.25% Origination Fee)
(95/5 Program is Suspended Until Further Notice)
Conforming Loans
to $417,000
  Rates
30 Year: Suspended
2nd Mtg: N/A
Non-Conforming Loans
from $417,001 to $650,000
  Rates
30 Year: Suspended
2nd Mtg: N/A

CalSTRS 80/17 Program

(Up To 1.25% Origination Fee)
Conforming Loans
to $417,000
  Rates
30 Year: 5.625%
2nd Mtg: 5.625%
Non-Conforming Loans
from $417,001 to $650,000
  Rates
30 Year: 6.625%
2nd Mtg: 6.625%

Notes: