"I worked with Joe Moore with a purchase of a new home. He was extremely professional, easy to get in touch with when I needed something, and very prompt with items that needed to be handled on his end. I would highly recommend CalTAP Plus to anyone needing a home loan."

Jon & September G.
Teacher-Lake Elsinore Unified School District
CalTAP Home Loan Program

"Joe Moore of CalTAP Plus made the purchase of our new home as easy as possible. We had a unique situation as we were living in the home we wanted to purchase in Northern California, the seller lived in Minnesota, and Joe is located in Southern California. Add to that we were waiting for our foreclosure to clear and we were attempting to close the deal without a realtor.

Both Joe and Dennis Hong of First American Title stepped up to the plate to help us out. Through the CalTAP program, we were able to capitalize on numerous credits and fee reimbursements because of our firefighter and teacher careers. In less than 30 days, we went from beginning the process to closing with very little turbulence. We highly recommend Joe and Dennis for your purchasing or refinancing needs and speak highly of the CalTAP program."

Thomas & Valerie M.
Firefighter/Paramedic w/Southern Marin Fire Protection District & Teacher w/ Cotati-Rohnert Park Unified School
CalTAP Home Loan Program

"When we began the process of purchasing a home we were already dreading the idea of the amount of time and paperwork it would take. Working with Joe was a learning experience. He was very patient and extremely helpful when we asked question after question regarding the CalTAP program and every piece of paper we had to submit and sign.

Joe is extremely knowledgeable in what he does and will meticulously prepare every document in order for the process to run as smooth as possible. I am very pleased with Joe and CalTAP Plus Services and would and will recommend their services to my friends and family. Thank you Joe! "

Vivian & Richard W.
Administrator – City of Palmdale
CalTAP Home Loan Program

"My wife and I were looking for a home following a foreclosure nearly four years ago. Joe Moore was recommended to us by a family member and the CalTAP program was offered to us. We were pre-qualified and started home shopping immediately. We found a home and were able to lock in an offer and a competitive interest rate.

Just before closing, Joe was able to float down our interest rate which saved us an additional $100 per month on our mortgage payment. We are extremely pleased with Joe Moore and his team at CalTAP Plus. We highly recommend Mountain West Financial and the CalTAP program for any who are qualified."

Jeffrey & Daniel C.
Deputy Sheriff - Riverside County Sheriff's Department
CalTAP Home Loan Program

"My husband and I have been working with Joe Moore and CalTAP Plus over the past nine months as we searched for a home in the Los Angeles area. Over the course of that time, Joe was wonderful in keeping us updated on interest rates and breaking down what our mortgage and closing costs would look like at least once a month. There was never a surprise on what was needed as a down payment or to close. If we ever needed to reach Joe he was always available via phone or e-mail even during family vacations or on the weekends. We know we would never receive that kind of service at a big named institution. When we finally got our home there were some minor issues with the appraisal but Joe was able to work things out to make us both happy.

We first came to CalTAP Plus as part of the teacher CalSTRS program. The main office is over an hour away from where we live and we only went to the Huntington Beach office once to meet Joe and begin the process. Other than that everything could be done via Internet, fax, etc. We would not only recommend Joe Moore to other educators but also to our family and friends no matter where they live.

Joe made our first home buying experience stress free and we couldn't thank him more for that! "

Job & Jennifer A.
Coroner-City of Los Angeles & Teacher-LAUSD
CalTAP Home Loan Program

"I used CalTAP Plus to do a streamline refinance a couple years ago and had a great experience working with Joe Moore. Because I live in Northern California, everything was done via email or fax, but every step of the way I would get a detailed email or phone call on exactly what I needed to do. Sure enough, the streamline went through, my interest rate lowered, and Joe saved me a couple hundred dollars a month off my mortgage. I was very pleased with how professional and efficient Joe and his staff were to help me out.

Fast forward to a couple of years later, I was unaware that my property gained a lot of equity. It was Joe that called me to let me know and also went over some options. Imagine that, someone over 300 miles away informed me of this with a phone call. This shows me that CalTAP Plus goes above and beyond to help their clients. I hadn't been in contact with them in over a couple of years, and they are still looking out for my best interests.

In a nut shell, he was able to change my FHA loan into a conventional loan (no more PMI payments, woohoo!) and cash out to help my wife and I take care of some debt. Again, everything was done via email or fax and everything was taken care of. At the very least, I am very pleased with Joe and CalTAP Plus. I will definitely use them again and recommend them to any of my friends."

Mathew J. A.
School Counselor-Arch Bishop Riordan High School
Conventional Cash Out Refinance

"Joe Moore is the ultimate professional when it comes to securing a home mortgage. I have worked with many lenders over the last 30 years and I can tell you that Mr. Moore is simply the most competent mortgage lender with whom I have worked. His follow through, accuracy, and timely communications contributed to funding a recent loan in record time through the CalTAP program. I highly recommend Mr. Moore without reservation and I plan to work with him soon on refinancing some other properties."

Willard & Michelle L.
Superintendent/President at Hartnell Community College District
CalTAP Home Loan Program on Second Home Refinance

"I contacted CalTAP Plus after learning about their selection as the Master Servicer and Program Administrator for the New CALSTRS Teacher Home Loan Program. I refinanced my CALSTRS 1st & 2nd mortgage and closed in less than 21 days! The customer service provided by Joe and his team was exceptional! I can see now why MWF was selected by CALSTRS over bigger banks such as Bank of America and Wells Fargo. AAA service is hard to find, but you will get it with MWF!"

Dr. William M.
Lead, Freshman Academy at Los Angeles Unified School District