Experience More Than Just a Home Loan with CalTAP & TAPUSA Purpose-Built for Teachers and Public Employees

Comprehensive Benefits Set Us Apart:

If you’re ready for a mortgage experience that delivers value at every step, the CalTAP Home Loan Program—powered by Secure Choice Lending is specifically designed for California teachers, law enforcement, firefighters, military personnel, and public employees.

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Exceptional Financial Reward Benefits:

1. Save $1,895 instantly: We never charge underwriting or processing fees with CalTAP and TAPUSA.
2. Free rate float-down: If interest rates drop after you lock, you benefit automatically.
3. Up to $10,000 CASH-BACK: Buy with a CalTAP Real Estate Partner and receive real money at closing.
4. Match or Beat Rate Guarantee: We'll match or beat any competitor's offer, giving you maximum confidence.

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Flexible High-Value Homebuyer Features:

1. Lender-paid mortgage insurance: No PMI options with as little as 3% down
2. Broad eligibility: Qualifies for conforming and high-balance FHA, Conventional, or VA loans up to $1,209,750. Jumbo loan available to $4,000,000.
3. Seller & lender-paid 2-1 buydown: Reduce your first-year rate by up to 2%.
4. Close fast: Our Keys in 21 Days Commitment helps you move quickly.
5. New 80-10-10 Combo Loan: Boost your purchasing or refinancing power with this innovative structure.

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Nationwide Access with TAPUSA:

1. Not just California — public employees in approved states across the country can benefit from our TAPUSA home loan program. Click Here to view approved states.

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Refinance and Home Equity Loan Solutions:

1. Cash-out available to 80% LTV: (100% for VA loans) through CalTAP & TAPUSA.
2. Eliminate mortgage insurance, restructure your loan, or pay off second mortgages and lines of credit
3. CalTAP PLUS HELOC: Home equity lines up to 89.9% CLTV—easy access to funds as you need them.
4. CalTAP PLUS HELOAN: Tap home equity with a fixed-rate loan, up to 85% CLTV.

Get pre-approved today!