Loan_Programs

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U.S. Toll-Free:
1.877.GADISH.1

In the Los Angeles Area:
1.310.497.1233

Email Us and we will respond promptly.

Gadish Financial is an Approved CalPERS Lender

Gadish Financial is a CalSTRS Loan Provider

CalSTRS (California State Teachers' Retirement System)

Attention Teachers! You are eligible to take advantage of the CalSTRS Home Loan Program if you currently receive a paycheck from a California public school. If you are a member of CalSTRS, you are eligible to apply for a loan under this exciting program.

Loan Programs

Whether you’re dreaming of buying a new home, lowering your existing payments, or taking cash out, the CalSTRS Home Loan Program can help by offering competitive rates on a variety of mortgage loan programs:

Conventional 15 or 30 Year Fixed Rate Program

Meet your individual needs, competitive rates are available for buying a new home or refinancing your existing home. Mortgage loan amounts are available up to $834,000.

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Zero Down (95/5)*

You can buy a home without any money down. Mortgage loan amounts up to $650,000 are available.

*Call for details.

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80/17 Program*

Put only 3% down with an 80% first mortgage and a deferred 17% second mortgage that has no payment due for 5 years. Mortgage loan amounts are available up to $650,000.

*Call for details.

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Program Benefits*

All program interest rates are set daily and are very competitive in the industry.

Free 45-day interest rate lock upon submission of your application, to protect you from rising rates.

In the event interest rates fall after you have applied for your loan, CalSTRS offers you a one time interest rate reduction (float down option) - saving you money.

Income derived from mortgage payments goes directly into the Teachers' Retirement Fund.

Discounted fees - CalSTRS has negotiated discounts on escrow & title fees, and on mortgage insurance rates, for your purchase and refinance needs.

*Call for details.