Apply Now: Unlock CalTAP Home Loan & 1.00% Listing Benefits with Joe Moore & Mike Ramirez
Are you a California teacher, police officer, firefighter, active and retired military, or public employee ready to buy or sell a home in 2026? CalTAP is your ticket to unmatched savings—whether you are moving up, moving in, or moving on.
Collaborate with our expert team—Joe Moore (CalTAP Plus Division Manager) and Mike Ramirez (CalTAP Preferred Realtor)—to unlock exclusive home loan rewards and sell your current home for just a 1.00% listing fee!
Why Choose CalTAP, Joe Moore, and Mike Ramirez?
Benefit from industry-leading savings for both buyers and sellers:
- No Underwriting or Processing Fees—Ever! Save up to $1,895 upfront—no lender junk fees or hidden costs.
- Free Rate Float Down: Lock your loan with peace of mind. If rates drop before closing, you automatically receive the lower rate at no extra charge.
- Up to $10,000 Cash-Back: Buy your next home with Mike Ramirez as your CalTAP Realtor and earn up to $10,000 cash-back—perfect for closing costs or a fresh start.
- Sell for Only a 1.00% Listing Fee: List your California home with Mike Ramirez and pay as little as a 1.00% listing commission—keeping more of your equity at closing.
- Match or Beat Rate & Pricing Guarantee: If you find a lower rate or better pricing elsewhere, CalTAP will match or beat it—so you always win.
Who Qualifies for CalTAP?
- Members of CalSTRS, CalPERS, LRS, JRS
- Employees of California public agencies
- Public and private school teachers & staff
- Retired & active military veterans
Ready to Buy or Sell?
With Joe Moore and Mike Ramirez, you get the state’s premier home loan experience AND a smarter, more affordable way to sell or buy.
Start your secure application online, or contact Joe for a personal, no-obligation consultation. With CalTAP, you will enjoy the industry’s best value, transparent service, and maximum rewards—every step of the way.
