Meet Your CalTAP and TAP USA Team

Our CalTAP – California Public Employee Home Loan Program offers more than just a typical mortgage loan, and Secure Choice Lending is more than just another lender.

We have expanded our product line to include, the TAP – USA Teacher and Public Employee Home Loan Program for public employees buying or refinancing in 38 states outside of California.

Discover for yourself why our CalTAP Home Loan program is a secure choice for teachers and public employees by viewing recent client testimonials & reviews.

Meet your CalTAP team today.


Management, Customer Service & Operations

Joe Moore

Joe Moore
Division Manager
NMLS# 333648
Cell: 714-655-0116
Email: joe@caltap.com

Joe Moore is the Division Manager for Secure Choice Lending.
Joe's team specializes in working with Teachers, Police Officers, Military Personnel, and Firefighters, offering the CalTAP Home Loan program in California and TAP USA out of state.
Read More

Kathy Gullo

Kathy Gullo
Senior Loan Processor
Account Manager for Joe Moore
Cell: 661-645-4308
Email: kathy@caltap.com

Kathy Gullo has been with the Huntington Beach office representing CalTAP since 2014 as a Senior Loan Processor and account manager for Joe Moore. Kathy has over 20 years of experience as a loan processor and operations manager.
Read More

Vanessa Henderson

Vanessa Henderson
Senior Loan Consultant | NMLS 448785
Cell: 949-294-3841
Email: vanessa@caltap.com

Vanessa Henderson is a Senior Loan Officer and CalTAP Advisor for Team Henderson servicing the Inland Empire, including Riverside, San Bernardino, and Los Angeles County.
Read More

CalTAP and TAP USA Preferred Realtor Network

Annamae Gilberti

Annamae Gilberti
CalTAP & TAP USA Client Concierge
Clever Real Estate (Nationwide)
Cell: 314-888-9705
Email: annamae@movewithclever.com
Website: www.movewithclever.com

Mike Ramirez

Mike Ramirez
CalTAP Preferred Realtor
PLF Real Estate Solutions
BRE# 01257890
Cell: 310-968-3402
Email: mike247realtor@gmail.com
Website: mike247realtor.com

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.