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Low Cost Loans with Many Options CalSTRS Home Loan Program Advantages Whether you are 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 - Competitive rates are available for buying a new home or refinancing to meet your individual needs. Mortgage loan amounts are available up to $834,000 - 80/17 Program - Qualifying for a larger home mortgage is now available because of the low payment during the 5-year second mortgage deferral period. Mortgage loan amounts are available up to $650,000. All program interest rates are set daily and are very competitive in the industry. You will receive a 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 and your rate has been locked, a free one-time interest rate reduction (float down) is available during the 45-day lock period - saving you money.
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