🏆 Exclusive employee mortgage rates available for:
Kaiser Permanente· LAUSD· CalPERS· PG&E· UPS· FedEx· and many more California organizations· Kaiser Permanente· LAUSD· CalPERS· PG&E· UPS· FedEx· and many more California organizations·
Check My Rate →
🏆 Exclusive Employee Mortgage Benefits — California

Your employer unlocks a better mortgage rate.

Employees of Kaiser Permanente, LAUSD, CalPERS, PG&E, UPS, FedEx, and many more California organizations qualify for exclusive discounted mortgage rates through MyRateAdvisor.

Exclusive discounted rates
Top lenders nationwide
Thousands of CA employees served
🏆 Employee Exclusive
Employee Rate Advantage
Standard Market Rate
6.25%
30-yr fixed
Your Employee Rate 🏆
5.99%
Save $312/mo
*Rates subject to change at any time due to market conditions.
Verified for Kaiser · LAUSD · CalPERS · More
Employee Rates For
Kaiser Permanente LAUSD CalPERS PG&E UPS FedEx State of California UC System LA County City of LA SEIU Members + Many More Kaiser Permanente LAUSD CalPERS PG&E UPS FedEx State of California UC System LA County City of LA SEIU Members + Many More
30+
Years of Expertise
$2B+
Loans Facilitated
98%
Client Satisfaction
4,000+
Homeowners Served
About MyRateAdvisor

One of the Nation's Leading Mortgage Brokers.

MyRateAdvisor is one of the nation's leading mortgage brokers, with established relationships among top lenders across the United States. We are recognized for providing discounted mortgage rates to employees of some of California's most respected organizations.

With thousands of satisfied employee clients throughout California, MyRateAdvisor has built a reputation for delivering trusted service, competitive rates, and valuable employee mortgage benefits.

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Access to Top Lenders
We shop dozens of lenders to find your best rate
🤝
Trusted Relationships
Preferred broker status means better terms for you
Outstanding Service
Experienced advisors who put your needs first
Employee Rate Advantage
Exclusive Discounted Rates for CA Employees

We proudly provide exclusive discounted mortgage rates to eligible employees of leading California organizations.

Kaiser Permanente LAUSD CalPERS PG&E UPS FedEx + Many More
How It Works

3 Steps to Access Your Equity

Unlock the value your home has built up since 2020 — with options that may let you keep your existing rate.
1

Tell Us About Your Home

Fill out our simple form in under 2 minutes. No credit pull at this stage — just the basics to estimate your equity position.

2

See Your Options

An experienced advisor reaches out within 24 hours with personalized equity solutions — HELOC, home equity loan, or cash-out — whatever fits best.

3

Access Your Cash

Get the funds you need. With a HELOC or second mortgage, your existing rate stays untouched. A cash-out refinance may also make sense depending on your situation — your advisor will show you all options.

What We Offer

Equity Solutions That Work For You

You built the equity. We help you access it — without giving up the rate you worked hard to get.
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HELOC

A flexible line of credit secured by your home equity. Borrow what you need, when you need it.

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Home Equity Loan

A lump-sum loan at a fixed rate. Predictable payments, immediate access to cash.

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Cash-Out Refinance

Replace your mortgage and pull out equity. Best when rates are favorable for your situation.

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VA Equity Products

Specialists in VA-backed equity solutions — including VA cash-out refinance programs.

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Equity Analysis

Free estimate of your current equity position based on recent comparable sales in your area.

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Unbiased Advice

We'll tell you if the numbers don't make sense. No pressure, ever.

Live Market Data
Today's Mortgage Rates & Economy

Current rates sourced directly from the Federal Reserve. Updated weekly.

MOST POPULAR
30-Year Fixed
Avg. Conforming Rate
15-Year Fixed
Avg. Conforming Rate
Fed Funds Rate
Federal Reserve Target
📊 What This Means For You

Loading current rate context…

💡 Your Employee Advantage

Qualified CA employees can access rates below today's market averages. Even a 0.25% reduction on a $600K loan saves over $1,000/year in interest — every year, for the life of the loan.

Fetching live data…  ·  Source: Federal Reserve (FRED) · Freddie Mac Primary Mortgage Market Survey

Free Instant Estimate
How Much Equity Can You Access?

No credit pull. No sign-up. Just enter your numbers.

$
$
↑ Enter your home value and balance to see your estimate
Get Your Free Quote
Find Out What Your Equity Is Worth
An experienced advisor will contact you within 24 hours with your personalized equity options — no credit pull, no commitment.

📱 SMS Opt-In

By submitting, you agree to our Privacy Policy and Terms of Service, and consent to be contacted by a MyRateAdvisor mortgage professional (NMLS #1598577). We never sell your information to third parties. You must be 18 or older to submit.

You're all set!

A Rate Advisor will reach out within 24 hours with your personalized rate options.
Check your inbox — and your phone.

Client Stories

Real People, Real Savings

★★★★★

"MyRateAdvisor saved me $342/month on my refinance. My advisor was honest, fast, and never pushed me toward anything I didn't need."

Sarah M.
Los Angeles, CA
★★★★★

"First-time buyer, completely overwhelmed. My Rate Advisor walked me through every step and got me a lower rate than any bank offered directly."

James T.
San Diego, CA
★★★★★

"These guys are different — they actually told me when NOT to refinance. That kind of honesty is rare and I trust them completely now."

Michelle R.
Riverside, CA

Your Home Has Built Up Value. Let's Use It.

Find out how much equity you have — and the smartest way to access it without losing your rate.

Download on the App Store Get it on Google Play
Coming Soon
MyRateAdvisor

Where Smart Rates Meet
Smarter Banking.

High-yield savings accounts, checking, and more — built for homeowners who expect more from their money. One platform for your mortgage and your banking.

💰
High-Yield Savings
Earn more on every dollar
🏦
Checking Account
Fee-free, integrated
🏠
Down Payment Savings
Save smarter, buy sooner
One-Stop Platform
Mortgage + banking unified
Be the first to know.
Join the waitlist for early access.