CalTAP Plus & TAP Plus USA

Home Loan Benefits for
California Teachers, Police, Firefighters & Military Veterans

Looking for a mortgage lender that goes beyond just home loans? Look no further than Secure Choice Lending and the CalTAP Plus home loan program! Not only do we provide mortgage loans, but we also help public employees like teachers, police officers, firefighters, and military personnel budget, save money, and formulate a plan to buy a home and realize the American Dream of Homeownership.

By using your home mortgage as a wealth-building tool, Secure Choice Lending empowers you to secure your financial future through homeownership.

So, if you're a teacher or public employee, don't settle for just any mortgage lender. Choose Secure Choice Lending and CalTAP Plus to take control of your finances and build a brighter financial future!

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!

CalTAP Plus Homebuyer Benefits:

  1. Lender paid Mortgage Insurance (No PMI) options available with as little as a 3.00% down payment.
  2. Available for conforming and high balance FHA, Conventional VA loans up to a $1,089,300 loan amount.
  3. Seller & Lender Paid 2-1 Buydown Options available to lower your first-year interest rate by up to 2.00% below market rates.
  4. Keys in 21 Days Homebuyer Commitment

Increase Your Home Buying (or) Refinance Power with our "NEW" CalTAP Combo Loan (80-10-10), click here for details.

CalTAP Plus Refinance Benefits:

  1. Cash Out is available to 80% LTV of your home value (100% LTV for CalTAP Plus VA loans).
  2. Up to 89.9% CLTV Cash-Out with a home equity line of credit (2nd mortgage), click here for details.

     •  HELOC (Line of Credit)
  3. Pay off a 2nd Mortgage (or) Line of Credit
  4. Proceeds may be used for home improvement, credit card consolidation, student loan payoff (or) any other purpose!
  5. Eliminate Mortgage Insurance (or) change the terms of an existing loan

If you have any questions about the CalTAP Plus home loan program, please contact our CalTAP Hotline @800-310-7577, 8:30 AM to 8:00 PM, or apply online to begin the loan process with confidence that you will receive the “BEST” combination of rate and pricing available today.


Get a Secure Quote Today!

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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.

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 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 Testimonials – find out what CalSTRS & CalPERS retirement fund members have to say about CalTAP Plus and the CalTAP Home Loan Program.

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.