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!

PLUS...

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

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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.