If you are looking to buy (or) refinance a home in 2024, you need to Take a Peek at TAP PLLUS USA, the #1 home loan program for Teachers, Police, Fire, Military, and other public employees who serve our local USA communities.

TAP USA 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 Annamae Gilberti and Clever Real Estate to buy your next home.

Who Qualifies for CalTAP PLUS & TAP+ USA?

  1. USA Public School Teachers and District Employees
  2. Private School Teachers & District Employees
  3. Firefighters & Emergency Response Personnel
  4. Peace Officers, including Police & Sheriff Departments
  5. Or an Employee of a USA Public Agency
  6. Retired & Active Military Veterans

If you are ready to buy your next home or refinance, please give me a call (or) begin your loan application with confidence that you will receive the "BEST" combination of interest rate, pricing, and customer experience available today!


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Annamae Gilberti

Annamae Gilberti
TAP+ USA Client Concierge
Clever Real Estate (Nationwide)
Cell: 314-888-9705
Email: annamae@movewithclever.com

Questions about CalTAP? Email(or) Call Us!

Joe Moore

Joe Moore
Division Manager
NMLS# 333648
Direct: 800-310-7577 x101
Cell: 714-655-0116
Email: joe@securechoicelending.com

Kathy Gullo

Kathy Gullo
Senior Loan Processor
Account Manager for Joe Moore
Direct: 800-310-7577 x104
Cell: 661-645-4308
Email: kathy@securechoicelending.com

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