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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Website Disclaimer: "Keys in 21 Days" Pledge to You

The CalTAP Plus "Keys in 21 Days" commitment is applicable to all FHA, VA & Conventional home purchase loan programs which do not include secondary or down payment assistance financing. This program is offered exclusively by Secure Choice Lending.

If CalHFA (or) any other secondary financing is a part of the transaction, we will commit to have loan documents in escrow within 45 days. Secondary approval for CalHFA and other down payment programs generally require an additional 7-10 days for final approval after all prior to document conditions are signed off by underwriting and loan documents have been delivered to escrow for signature.

*Our written offer and pledge are void if delays are caused by the buyer or another 3rd party involved in the purchase transaction.

Our clock starts ticking as soon as escrow is opened and all signed contracts, including an Estimated Master Settlement Statement (Buyer & Seller) from escrow or the assigned closing provider. Final Underwriting Approval is subject to final verification of all collateral documentation, including appraisal and verification of clear title.

Website Disclaimer: “Free Interest Rate Float Down”

During the first 30 Days after your rate is locked, if interest rates drop by a minimum of .250% and pricing improves by 75BPS, you can float down to the lower rate Free of charge. The float down option can only be exercised one-time during the escrow period prior to the final closing disclosure being issued and is applicable to both home purchase and refinance loans under the CalTAP Plus home loan program.

Website Disclaimer: “MATCH (or) BEAT Guarantee”

Secure Choice Lending will match any legitimate offer from another mortgage lender or broker. We must be comparing rates, pricing from the same day, identical program, and a written loan estimate (LE) is required to verify proof of offer. If the offer is verified to be legitimate, we will BEAT the offer by a minimum of $250.00. This offer is applicable to both home purchase and refinance loans (FHA, VA & Conventional) under the CalTAP Plus home loan program. Offer is not applicable to credit unions, portfolio lenders or builder affiliated lenders.

If you have questions regarding the above disclaimers, please contact us directly at 800-310-7577 or e-mail us at joe@securechoicelending.com.

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.