Apply with Terry Breland
Senior Loan Consultant & Account Manager for Joe Moore

Terry Breland, Senior Loan Consultant and Account Manager for Joe Moore, helps California’s community professionals explore their eligibility for the CalTAP Home Loan Program.

If you serve your community through education, public service, healthcare, emergency response, or military service, CalTAP may provide valuable mortgage benefits when purchasing or refinancing a home.

Who May Be Eligible?
CalTAP is designed for eligible California professionals and public-service households, including:

1. Teachers, school staff, and district employees
2. CalSTRS and CalPERS members
3. Police officers, firefighters, paramedics, and first responders
4. Healthcare professionals
5. Active-duty military, veterans, and military families
6. City, county, state, and other public-agency employees

Not sure whether you qualify? Start an application with Team Moore to review your employment, loan goals, and available financing options.

CalTAP Benefits
Eligible borrowers may receive exclusive advantages, including:

1. No lender processing, origination, or underwriting fees
2. Free rate float-down protection if rates improve after your loan is locked
3. Potential cash-back at closing when purchasing with an eligible CalTAP/Listing California real estate partner
4. Competitive mortgage rates and pricing, subject to program terms
5. Personal guidance from Terry and Joe Moore’s team from application through closing

Start Your Application

Complete your secure application today to explore your CalTAP eligibility and mortgage options with Team Moore.