Apply with Vanessa Henderson—Unlock the CalTAP Advantage for California’s Public Employees!
Are you a teacher, police officer, firefighter, military member, or public employee ready to buy or refinance a home in 2026?
Experience home financing designed just for you with CalTAP—California’s #1 home loan program for community heroes.
With Vanessa Henderson as your dedicated advisor, you will enjoy a smooth, straightforward process and exclusive rewards only available to CalTAP clients.
Why CalTAP and Vanessa Henderson?
- No Underwriting or Processing Fees—Ever! Pay $0 in lender fees and save up to $1,895 before you even close.
- Free Rate Float Down: Rest easy knowing that if rates drop after you lock, you will automatically get the lower rate—no stress, no extra cost.
- Up to $10,000 Cash-Back: Buy your next home with a CalTAP Real Estate Partner and earn up to $10,000 cash-back—perfect for upgrades, repayment, or savings.
- Match or Beat Rate & Pricing Guarantee: If you find a lower rate or better pricing, Vanessa and the CalTAP team will match or beat it, so you always get the absolute best deal for your future.
Plus, Did You Know?
If you are a public employee outside of California, Vanessa can help you access TAPUSA—the Teacher and Public Employee Home Loan Program available in forty-five states!
Who Qualifies for CalTAP?
- California State Teachers Retirement System (CalSTRS)
- California Public Employees Retirement System (CalPERS)
- Legislators Retirement System (LRS)
- Judges Retirement System (JRS)
- Employees of California public agencies
- Retired and active military veterans
- Private school teachers and district staff
Let Us Get You Home—The Right Way
Whether you are purchasing, refinancing, or considering your home equity finance options, Vanessa Henderson offers expert support, clear guidance, and a commitment to your best outcome, every step of the way.
Ready? Apply online or reach out today, knowing you will receive the best blend of rates, service, and confidence with CalTAP.
