The document describes two home loan programs - the Advantage Benefit Program and CalPATH. The Advantage Benefit Program offers reduced fees and the ability to combine with other assistance programs, with FHA or conventional loans available. CalPATH is exclusive to Mountain West Financial and offers one free float down on the loan rate within the first 30 days. Both programs are available to employees of California public agencies, schools, colleges, and retirement systems. The document provides contact information for the branch manager and realtor.