Teacher And Public Employee Home Loan Program

I Want to Purchase a Home

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

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I Want to Refinance My Home

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

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CalTAP Plus & TAP Plus USA Home Loan Program for
Teachers, Police, Firefighters & Military Veterans

CalTAP Plus is more than just a mortgage loan and Secure Choice Lending is more than just another mortgage lender. We provide home loan solutions direct to teachers, police officers, firefighters, military veterans, and other public employees. Let us help you budget, save money and develop a financial plan to buy your next home and realize the American Dream of Homeownership!

CalTAP Plus is available for home purchase, rate & term, or cash out refinance and you are not required to be a first-time homebuyer to take advantage of the incredible home loans direct mortgage benefits available to you with our teacher & public employee home loan program.

CalTAP Teacher & Public Employee Rewards Benefits:

  1. Rates are generally .125% to .250% lower than the national average.
  2. No Lender (or) Processing Fees Charged Ever! ($1,895 value).
  3. Free Float Down if Rates Improve after You LOCK!.


  1. Earn up to $10,000 CASH-BACK using one of our TAP+ USA Real Estate Partners to buy your next home!

Approved States for TAP+ USA (.50%)
Homebuyer CASH-BACK Rebate

Clever Real Estate Approved States

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

Make us your first and last call to get pre-approved with peace of mind that CalTAP Plus and TAP PLUS USA are the #1 home loan programs available for public employees. Click here to view approved states.

If you are a first-time homebuyer, a move up buyer or simply interested in refinancing, we invite you to call us (or) apply online with confidence that you will receive the BEST interest rate pricing and overall customer experience with CalTAP Plus & Secure Choice Lending.

CalTAP Plus 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. TAP Plus USA is available out of state, please call us for details.

CalTAP Plus 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 Plus Video Center – learn more about the history of CalSTRS, CalPERS home loans programs and how CalTAP Plus has become the #1 home loan program for California Public Employees.

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

CalTAP Plus is our way of saying Thank You for all you do to serve your local community.

*Click here to view disclaimer for Keys in 21 Days, Free Rate Float Down & MATCH (or) BEAT Guarantee.