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Mailing Address

VITEK Mortgage Group
Corporate Office

3 Parkcenter Drive
2nd Floor
Sacramento, Ca 95825
Toll Free: (800) 570-5300

Language of your Mortgage Loan Originator:

Customer Login - Coming soon!

You will be able to log in for up-to-the-minute updates on your loan in process and easily submit needed documentation to us to help ensure a faster transaction for you. This new state-of- the-art communication system will also support our efforts toward complete paperless transactions and helps us further our Think Green initiatives!

Builder Team

VITEK's Seasoned Builder Team

The process of buying a new construction home is very different from purchasing a resale home. Our builder team has extensive experience financing these types of homes and understands the complexities and added need for consistent communication associated with these longer escrows. We work one-on-one with our buyers to help them navigate these hurdles, understand each step of the loan process, and ensure all their questions are answered. Because each buyer’s financial situation is unique, we’ll take time upfront to discuss the various financing options available.

Our team will work closely with your builder to help ensure a smooth loan process and better align the loan closing with the completion of the home. Our goal is to have you fully approved within 30 days (subject to appraisal and other acceptable conditions) to give you peace of mind knowing you are on your way to owning your brand new home.

We look forward to helping make the dream of buying a new construction home possible!


Joe Martini

Joseph Martini
Builder Sales Manager
Phone: (916) 974-4150
Licensed - NMLS # 899407
Email: jmartini@teamvitek.com
Apply Online Today
I began my career in home mortgage lending over 26 years ago with a local, Sacramento builder's mortgage company. In the late 90's I transitioned into sales management, continuing to focus on new-home builders. During the peak building years of the 2000's I managed the Sacramento builder office for Wells Fargo, working with many of the area's top builders. My dedication to pro-active communication, along with my builder industry experience, has allowed me to provide my clients with a great home-buying experience.


Philip Duncan

Philip Duncan
Executive Vice President
Phone: (916) 486-6430
Licensed - NMLS # 37546
Email: pduncan@teamvitek.com
Philip Duncan joined VITEK in 1992 as a principal and leader in residential lending. His vision and expertise in sales and marketing have been instrumental in establishing VITEK with brand name recognition as a premier mortgage banking operation. Twin brother of the President, he was the company's first originator of home loans. Duncan now focuses on providing marketing to the sales team along with business development including the company's reverse mortgage loan channel.

As a second generation lender and native Sacramentan, he is committed to his career and community. He was a top producer for years prior to VITEK, working with several area builders. Beginning as a loan officer at Mason McDuffie/Weyerhaeuser, he rose to Assistant Branch Manager before moving to Criterion Mortgage Corporation as a co-owner.

Known as an outdoor adventurer, Mr. Duncan has been a licensed Real Estate Broker since 1983. He is a graduate of the Mortgage Bankers Association School of Mortgage Banking. A Certified Toastmaster, he has served and spoken numerous times to the Sacramento Association of Realtors® where he was recognized as Affiliate of the Year in 2000. Duncan earned his BA from the University of California, Davis in International Relations/Political Economy. He also attended one year at the Universidad Compultense in Madrid, Spain and is fluent in Spanish.


Denise Konigsfeld

Denise Konigsfeld
Area Sales Manager
Phone: (916) 486-6917
Email: dkonigsfeld@teamvitek.com
I started my mortgage career 23 years ago in Sacramento and am still passionate about the community of customers, Realtors and builders I serve every day. My focus throughout my career has been to surround myself with a company and a group of people whose mission is to create remarkable experiences for all involved. I have always believed in creating relationships that are based on integrity, communication and teamwork.

At National City Mortgage I spent my first 12 years as a Mortgage Loan Officer, where I built a team dedicated to new-home construction buyers. From there, I went on to be a Sales Manager and later a Branch Manager. In 2008, I joined Bank of America as a Unit Leader in their National Call Center and then transferred to their Modification Department. In 2012, I joined the vibrant and dedicated loan team here at VITEK Mortgage Group.

Buying a home is still one of the most prideful and important decisions a person can make and I've always felt honored to be a part of this life event with my customers. My mission has always been, and will continue to be, one of passion and purpose.


Charles Scott

Charles Scott
Mortgage Loan Originator
Phone: (916) 974-4158
Licensed - NMLS # 238999
Email: scott@teamvitek.com
Apply Online Today
Growing up as the son of a local Sacramento grocer, I spent the first 25 years of my career in upper management serving the local grocery marketplace. This love for serving people and the local community led me to a shift in my career, now helping people fulfill their homeownership dreams. I love being part of my client's exciting journey of buying their first home, moving up to a new home, or refinancing their existing home loan to save money each month. Because I know each of my client's needs are unique, I always take time upfront to listen and discuss your needs to help identify the loan options right for you.

While I do many types of home loans, I specialize in helping my clients achieve their dream with financing new builder homes. With each of my clients I strive to provide constant, clear communication, being fully transparent, and setting realistic expectations. My goal is that you will always feel in the know on where your loan is in the process.

In my free time I enjoy staying active outdoors fly fishing, backpacking, cycling, and racing in triathlons. In our down time, my wife and I also enjoy spending quality time in Napa Valley wine tasting. I believe staying active in the community is important. I have recently become involved with HomeAid – an organization focused on building new lives for homeless families and individuals through housing and community outreach. I live by the motto “Attitude is everything – Make it a great day!”


Luke Spates

Luke Spates
Mortgage Loan Originator
Phone: (916) 974-4177
Licensed - NMLS # 1509676
Email: lspates@teamvitek.com
Apply Online Today
For many people, purchasing a home will be the largest financial investment they ever make, and it can be an intimidating process to go through. My focus is to walk you through each step of the loan process, to help alleviate as much uncertainty as possible.

Prior to joining VITEK, I worked for a local non-profit, focused on providing down payment assistance to first-time home buyers. Having worked with many clients going through the loan process for the first time, I know the importance of consistent and clear communication. You can call me anytime with questions, and I will work hard to keep you up-to-date on the status of your loan, so you will feel confident on where your loan is in the process.

In my free time I enjoy reading, snowboarding, trail running, and spending time with my nieces and nephew. In addition to my lending experience, I hold a Bachelor of Science from Sacramento State University.