I Want to Purchase a Home

Whether it will be your first home or your dream home upgrade, CalTAP is the #1 home loan choice for Teachers, Police, Fire, Military, and other public employees.

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I Want a Home Equity Loan

Access the equity in your home for debt consolidation, home improvement (or) any other purpose without refinancing your low-interest rate first mortgage.

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I Want to Refinance My Home

CalSTRS, CalPERS & other eligible CalTAP borrowers may explore options to use the equity in their home for renovations, cash out or simply improve loan terms.

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CalTAP & TAP USA Home Loan Program for Teachers, Police, Firefighters & Military Veterans

CalTAP is more than just another mortgage loan program, and Secure Choice Lending is more than just another lender. We offer home loan solutions for teachers, police officers, firefighters, military veterans, and other public employees.

Our California Teacher and Public Employee Home Loan Program is available for new purchases, refinancing, or home equity loans. First-time homebuyer status is not required to access these benefits.

The TAP – USA Teacher and Public Employee Home Loan Program is also available outside of California with similar guidelines and reward incentives.

  1. Click Here to view approved states.

CalTAP & TAP USA Reward Benefits:

  1. No Underwriting (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 CalTAP Real Estate Partners to buy your next home!

PLUS...

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

Homeownership Dream

Click here to Request a “FREE” Homebuyer Toolkit for your Teachers (or) other Public Employees.

Whether you're a first-time homebuyer, looking to upgrade, or interested in refinancing, call us or apply online
for the BEST rates, pricing and experience with CalTAP - Powered by Secure Choice Lending.


CalTAP Reward 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 USA is available outside of California.

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 Testimonials - find out what Teachers, Police, Fire, Military, and other public employees have to say about CalTAP!

CalTAP Homebuyer Toolkit - request a “Free” first -time homebuyer Toolkit to share with your teachers (or) other public employees. We will mail it to you!



CalTAP and TAP USA are our way of saying Thank You for all you do to serve your local community.


*Click here to view our sevice mark and disclaimers for Keys in 21 Days, Free Rate Float Down & MATCH (or) BEAT Guarantee.