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.
Access the equity in your home for debt consolidation, home improvement (or) any other purpose without refinancing your low-interest rate first mortgage.
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.
CalTAP is the #1 home loan solution for California teachers, first responders, police, military, and public employees-delivering unmatched savings and exclusive benefits to help you achieve your dream of homeownership. With zero lender fees, a free rate float down, a match-or-beat rate guarantee, and up to $10,000 cash-back on your next home purchase, CalTAP is designed from the ground up to reward and empower community heroes at every step.
Now Introducing: Listing California—Powered by CalTAP.com
We're proud to partner with Listing California to take your experience even further. Whether you're buying or selling, Listing California connects you with trusted local agents and offers exclusive low listing commissions (just 1% for most homes, or 1.5% for others, plus a flat $995 marketing fee).
Moving or buying outside California?
You get the same public employee rewards nationwide through our trusted partners: TAPUSA (for out-of-state lending) and Clever Real Estate (for national top agent matching and reduced listing/buyer costs). Benefit from local expertise and exclusive savings no matter where life takes you.
Your Path to Smarter Homeownership Starts Here
From your first consultation to closing, our dedicated team helps you navigate today's market with confidence and specialized support. Ready to save more, move smarter, and be rewarded for your service?
Get pre-approved now, connect with a Listing California agent, or explore all the public employee rewards CalTAP, Listing California, TAPUSA, and Clever Real Estate offer together.
Click here to view more testimonials & reviews.
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. TAPUSA 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!
*Click here to view our sevice mark and disclaimers for Keys in 21 Days, Free Rate Float Down & MATCH (or) BEAT Guarantee.
