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FHA 30 yr. 417,001-$729,750
4.390% APR
30 yr. FHA
4.390% APR
15 year fixed <417k
3.580% APR
30 yr. fixed <417k
4.580% APR

California Public Employee Mortgage Services


With the CalPERS Home Loan Program being suspended last December 2010, we here at CalPEMS knew this would leave a huge gap in making it possible for public employees to own a home or refinance an existing home mortgage.  CalPEMS offers discounted fees and better rates. CalPEMS has also added the benefit of a Discounted Real Estate Agent referral program for even bigger savings.
Being a huge believer in giving back a little, we came up with the CalPEMS program and opened it up to all public employees, whether you have a CalPERS retirement or any other public employee  retirement system, you now qualify for the CalPEMS Advantage and all the benefits that go with it. 
CalPEMS offers a wide variety of loan options, we are here to guide you through from application to close of escrow, we promise you the best rate available with the lowest fees possible and service second to none.
Please feel free to fill out the “Get a Quick Quote” for a no pressure rate quote whether you are buying a home or looking to refinance an existing one.  If you have questions please don’t hesitate to call us at 888-916-PEMS (7367)  or by emailing us at  homeloans@calpems.com

We here at CalPEMS look forward to serving the people who serve the people.


Land Home Financial Services
533 Main St. Martinez Ca. 94553
Martinez, California 94553
Phone: (888) 853-7334
Fax: (925) 407-2897

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