CalTAP is California’s leading home loan provider for teachers and public employees, offering no lender fees, a free rate float down, match-or-beat rate guarantee, and up to 3% cash-back with Listing California—delivering unmatched savings and support every step of the way. 🏠 CalTAP borrowers may receive up to $500 in appraisal-fee reimbursement at closing on qualifying purchase, refinance, or home equity loans. 💰 Use promo code CALTAP250. Offer ends 12/31/2026; eligibility, underwriting, and loan approval required.