CalPERS Members

Utilize Your California State Retirement Membership to Purchase or Refinance the Home of Your Dreams


Are you an active, retired, or inactive member of CalPERS, LRS, or JRS? Although CalPERS discontinued its Home Loan Program on December 31, 2010, CalPERS members can still utilize their membership benefit to purchase or refinance a home through VITEK’s exclusive California Public Employees’ Retirement Mortgage (CalPERM) home loan program.

CalPERM Home Loan Program Benefits:

  • Appraisal Fee Credit up to $5501 (Borrower will pay for appraisal upfront; credit applied at close of escrow.)
  • FREE credit report
  • Up to 7% in Down Payment/Closing Cost Assistance2

To take advantage of the CalPERM Home Loan Program and for further details, contact our CalPERM team today or call us at 866-787-0300.

Subject property must be in California. Members or retirees of California Public Employees' Retirement System, the Legislators Retirement System, or Judges Retirement System only. 1Appraisal fee credit has no cash value; only one credit per loan transaction for the actual cost of the appraisal. 2Available on certain loan products only; borrower eligibility and percentage of down payment assistance subject to terms of the down payment assistance program selected. Loan programs and information available as of 6-4-18, but may change without notice. Program guideline information may change without notice. Please contact us for the latest program guidelines.

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