CalTAP & TAP USA

Home Loan Benefits for Teachers, Police, Firefighters & Military Veterans

If you are seeking a mortgage lender that offers more than just home loans, consider Secure Choice Lending and the CalTAP – California Teacher and Public Employee Home Loan Program.

In addition to providing mortgage financing, we assist public employees such as teachers, police officers, firefighters, and military personnel in budgeting, saving money, and developing a strategy to purchase a home and achieve the American Dream of Homeownership.

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

1. Click Here to view approved states.

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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

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CalTAP & TAP USA 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 $1,209,750 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.

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CalTAP & TAP USA Refinance Benefits:

1. Cash Out is available to 80% LTV of your home value (100% LTV for CalTAP & TAP USA VA loans).
2. Pay off a 2nd Mortgage (or) Line of Credit.
3. Proceeds may be used for home improvement, credit card consolidation, student loan payoff (or) any other purpose!
4. Eliminate Mortgage Insurance (or) change the terms of an existing loan.

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HELOAN & HELOC (2nd Mortgage Options):

HELOC (Home Equity Line of Credit)

1. Up to 89.9% CLTV Cash-Out with a home equity line of credit (2nd mortgage), click here for details.

HELOAN (Fixed Rate Home Equity Loan)

1. Up to 85.0% CLTV Cash-Out with a home equity loan (2nd mortgage), click here for details.

If you have any questions about the CalTAP home loan program, please contact our apply online @ 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.