I Want to Purchase a Home

Whether it will be your first home or your dream home upgrade, CalTAP is the #1 home loan choice for Teachers, Police, Fire, Military, and other public employees.

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I Want a Home Equity Loan

Access the equity in your home for debt consolidation, home improvement (or) any other purpose without refinancing your low-interest rate first mortgage.

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I Want to Refinance My Home

CalSTRS, CalPERS & other eligible CalTAP borrowers may explore options to use the equity in their home for renovations, cash out or simply improve loan terms.

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Welcome to CalTAP-California's #1 Home Solution for Teachers and Public Employees!

Unlock Exclusive Savings and Support – Built Just for You!

CalTAP is the only home loan program recognized by the U.S. Patent and Trademark Office exclusively for California teachers, police officers, firefighters, military veterans, and ALL public employees.

Our mission? Empowering YOU to achieve the American Dream of Homeownership-faster, easier and with more savings.

Why choose CalTAP?

  1. $1,895 Instant Savings: No underwriting or processing fees-charged ever!
  2. Free Float Down: If rates drop after you lock, you automatically save even more.
  3. Up to $10,000 CASH-BACK: when you buy with a CalTAP Real Estate Partner, you earn real money at closing.
  4. First Time & Repeat Buyers Welcome: No first-time buyer requirement-everyone qualifies!
  5. Lowest Rate Guarantee: We match or beat our competitors on rate AND pricing-guaranteed.*
  6. Refinance & Home Equity Loan Options: Not just for buying-take advantage of low rates across the board.

Not in California? Try our TAPUSA home loan program-similar savings and benefits available for teachers and public employees nationwide.

  1. Click Here to view approved states.

Ready to Take the Next Step?

Whether you are buying your first home, moving up, or ready to refinance, choose the program built just for you.

Call Now or Apply Online for your personalized quote-discover why CalTAP, powered by Secure Choice Lending, is California’s most trusting lending partner.

See What Our Clients Have to Say About CalTAP & TAPUSA

Click here to view more testimonials & reviews.

CalTAP Reward Benefits – discover the incredible home loan benefits and program options offered to CalSTRS and CalPERS retirement fund members as well as any employee of a California public agency. TAPUSA is available outside of California.

CalTAP Q&A – get answers to frequently asked questions about our California Teacher and Public Employee Home Loan Program for CalSTRS, CalPERS, LRS and JRS retirement fund members.

CalTAP Testimonials - find out what Teachers, Police, Fire, Military, and other public employees have to say about CalTAP!

CalTAP Homebuyer Toolkit - request a “Free” first -time homebuyer Toolkit to share with your teachers (or) other public employees. We will mail it to you!


Learn More About Us

CalTAP and TAPUSA are our way of saying Thank You for all you do to serve your local community.


*Click here to view our sevice mark and disclaimers for Keys in 21 Days, Free Rate Float Down & MATCH (or) BEAT Guarantee.