The CalSTRS Home Loan Program can help the individual by offering competitive rates on a variety of mortgage loan programs:

• Conventional Standard 15 or 30 year Fixed Rate Program — Competitive rates are available for buying a new home or refinancing to meet your individual needs.
  
  
• 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.