CalTAP Plus

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

Secure Choice Lending is more than just another mortgage lender and CalTAP Plus is more than just a mortgage loan.

We help teachers, police officers, firefighters, military, and other California public employees’ budget, save money and develop a financial plan for retirement by utilizing their home mortgage as a wealth building tool.

CalTAP Teacher & Public Employee Rewards Benefits:

  1. No Lender (or) Processing Fees Charged Ever! ($1,895 value)
  2. Free Float Down if Rates Improve after You LOCK!
  3. Earn up to $10,000 CASH-BACK using one of our Clever Real Estate Partners to buy your next home!


  1. We offer a MATCH (or) BEAT Rate & Pricing Guarantee!

Make us your first and last call to get pre-approved with peace of mind that CalTAP Plus is the #1 home loan program available for California public employees.

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 95% CLTV Cash-Out with a home equity loan (2nd mortgage), click here for details.
        HELOC (Line of Credit)
        HELOAN (Fixed Rate 2nd mortgage)
  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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CalTAP Appraisal Promotion

COMING SOON! TAP Plus USA Lending in the following states:

  1. TAP Plus – Arizona
  2. TAP Plus – Florida
  3. TAP Plus – Georgia
  4. TAP Plus – Michigan
  5. TAP Plus – New Mexico
  6. TAP Plus – North Carolina
  7. TAP Plus – South Carolina
  8. TAP Plus – Texas
  9. TAP Plus – Colorado
  10. TAP Plus – Idaho
  11. TAP Plus – Minnesota
  12. TAP Plus – Oregon
  13. TAP Plus - Washington

*Other states will be added as Secure Choice Lending Completes the State Approval Process

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.