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.
United States of America
United States Patent and Trademark Office
Service Mark: CalTAP – California Teacher and Public Employee Home Loan Program
Reg. No, 7,698,371
Registered Feb. 18,2025
1st CL: 36
Service Mark
Principal Register
Joe Moore (United States Individual)
xxxxxxxxxxxxxxxxxxxxxxxxxxxx
Huntington Beach, Ca. 92648
Class 36: Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage financing services; Mortgage foreclosure services; Mortgage lending; Mortgage refinancing; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; Financial services, namely, mortgage planning; Financial services, namely, mortgage refinancing
FIRST USE 1-1-2024; IN COMMERCE 1-1-2024
THE MARK CONSISTS OF STANDARD CHARACTERS WITHOUT CLAIM TO ANY PARTICULAR FONT STYLE, SIZE, OR COLOR
Our CalTAP - California Public Employee & Teachers Home Loan Program "Keys in 21 Days" commitment applies to all FHA, VA, and Conventional home purchase loan programs, excluding secondary or down payment assistance financing.
*Please note that our written offer and pledge are void if delays are caused by the buyer or any third party involved in the purchase transaction. *
Our timeline begins as soon as escrow is opened and all signed contracts, including an Estimated Master Settlement Statement (Buyer & Seller) from escrow or the assigned closing provider are received. Final Underwriting Approval is subject to verification of all collateral documentation, including appraisal and clear title verification.
Website Disclaimer: “Free Interest Rate Float Down”
Within the first 30 days after your rate is locked, if interest rates decrease by at least 0.375% and pricing improves by 100 basis points (BPS), you may adjust to the lower rate at no additional cost. This float-down option is available only once during the escrow period, prior to the issuance of the final closing disclosure. It applies to both home purchase and refinance loans under the CalTAP - California Teacher and Public Employee Home Loan Program.
Website Disclaimer: “MATCH (or) BEAT Guarantee”
Secure Choice Lending will match any legitimate offer from another mortgage lender or broker. We compare rates and pricing from the same day, for identical programs, and require a written loan estimate for proof. If verified, we will beat the offer by at least $250.00. This applies to home purchase and refinance loans (FHA, VA, Conventional) under the CalTAP California Teacher and Public Employee Home Loan Program. This offer does not apply to credit unions, portfolio lenders, or builder-affiliated lenders.
Website Disclaimer: “Loans Originated Outside of California”
Loans originated outside the state of California will be part of our TAP - USA Teacher and Public Employee Home Loan Program. The qualifying guidelines and rewards benefits will remain consistent with those of the CalTAP - California Teacher and Public Employee Home Loan Program.
If you have questions regarding the above disclaimers, please contact us directly at 800-310-7577 or e-mail us at joe@caltap.com.
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 Plus Testimonials – find out what CalSTRS & CalPERS retirement fund members have to say about CalTAP Plus and the CalTAP Home Loan Program.
*Click here to view our sevice mark and disclaimers for Keys in 21 Days, Free Rate Float Down & MATCH (or) BEAT Guarantee.
