Discover CalTAP: California's #1 Home Loan Program for Public Employees & Community Heroes
Are you a teacher, police officer, firefighter, military member, or public employee planning to buy or refinance a home in 2026?
Discover new savings and exclusive benefits with CalTAP—the premier home loan program created for those who serve and protect our California communities. Now available in 45 states through our TAPUSA program, CalTAP extends its commitment nationwide to public service professionals.
Why Choose CalTAP or TAPUSA?
Unlock a home financing advantage that goes far beyond traditional loan offerings:
- No Underwriting or Processing Fees—Ever! Save an average of $1,895 in upfront costs, keeping more money in your pocket from day one.
- Free Float Down Protection: If rates drop after you lock, you automatically secure the lower rate—risk-free and cost-free.
- Up to $10,000 Cash-Back: Purchase your next home with a CalTAP Real Estate Partner and receive cash-back at closing—money you can use for upgrades, moving expenses, or savings.
- Match or Beat Rate & Pricing Guarantee: We’ll match or beat any competing lender’s rate and pricing—so you know you’re getting the absolute best deal. View disclaimer for details.
Who Qualifies for CalTAP?
- Members of CalSTRS (California State Teachers Retirement System)
- Members of CalPERS (California Public Employees Retirement System)
- LRS (Legislators Retirement System) and JRS (Judges Retirement System) participants
- Employees of any California public agency
- Active and retired military veterans
- Private school teachers and district employees
- Eligible public employees in 45 states through TAPUSA
Ready for the Best in Home Financing?
If you are planning to buy your next home or want to refinance for better rates and terms, contact Joe Moore today or start your secure CalTAP loan application online. With our promise of the best possible rate, transparent pricing, and unmatched customer experience, you can move forward with total confidence.
