What are CalPATH & PATH?

CalPATH & PATH are a program available exclusively to Mountain West Financial clients and is designed to benefit those that serve our local communities.

To qualify for CalPATH, you must be a member of one of the following:

  • California State Teachers Retirement System (CalSTRS)
  • California Public Employees Retirement System (CalPERS)
  • Legislators Retirement System (LRS)
  • Judges Retirement System (JRS)
  • Or a Employee of a California Public Agency

To qualify for PATH, you must be a member of one of the following:

  • A Colorado Public Agency
  • Colorado Public School District
  • Colorado State University
  • Colorado Community College
  • Colorado Judicial System
  • Colorado Public Health Department
  • Colorado Local Government Entities
  • Or a member of the Colorado Public Employees' Retirement Association (PERA).

With no additional qualifying, benefits of the a CalPATH home loan include:

  • Reduced Lender Fees
  • Competitive Rates
  • FHA or Conventional loan options available
  • Can be used with other downpayment assistance programs
  • Available for high balance loans
  • 15 or 30 year terms available
  • No additional qualifying – follows FHA & Conventional standard guidelines
  • One free float down – during the first 30 days (or approval date, whichever is sooner) after the rate is locked, if rates become lower you can “float down” to that new lower rate