Experience the CalTAP Advantage—Your Mortgage Partner for California’s Public Employees

CalTAP isn’t just another home loan—it’s a comprehensive financial solution exclusively for California’s teachers, police officers, firefighters, military veterans, and all public employees.

Powered by Secure Choice Lending, CalTAP is about more than homeownership: it’s about helping you budget smarter, save more, and use your mortgage as a powerful asset to build wealth and financial security.

Why Choose CalTAP and TAPUSA?

  1. Expert, Personalized Support: Our team is dedicated to helping public employees turn their homes into foundations for wealth creation, offering clear strategies for saving, planning, and financial growth.
  2. Nationwide Reach: Not in California? Our TAPUSA program extends these same valuable incentives and guidelines to public employees in approved states across the country.

Unmatched Reward Benefits:

  1. No Underwriting or Processing Fees—Ever: Save $1,895 upfront on every loan.
  2. Free Rate Float Down: If rates drop after you lock, you automatically get the lower rate.
  3. Up to $10,000 Cash-Back: Earn real rewards using a CalTAP Real Estate Partner to buy your home.
  4. Match or Beat Rate Guarantee: Rest easy knowing you’ll always get the best available rate and pricing.

A Proven Track Record:

We’re committed to extraordinary service, but don’t just take our word for it. Click here to view testimonials from real clients who have benefited from CalTAP and see why Secure Choice Lending is the trusted resource for public employees purchasing, refinancing, or tapping home equity.

Contact us now or apply online to get started!

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Click here to Request a “FREE” Homebuyer Toolkit for your Teachers (or) other Public Employees.


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.

Refer a Friend (or) Collegue – spread the word to your staff about CalTAP, the #1 home loan program for Teachers, Police Officers, Firefighters, Military, and other public employees who serve our local communities in California. TAPUSA is available out of state.

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



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.