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VITEK Mortgage Group
Corporate Office

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

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Customer Login - Coming soon!

You will be able to log in for up-to-the-minute updates on your loan in processand 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!

Team VITEK Blog

Purchase and Refinance Home Loans with No Appraisal Required!

November 16th, 2017

No Appraisal Required - Purchase or Refinance

Borrowers may now be able to purchase or refinance a home using conventional financing with no appraisal required. This can potentially save you money and time on your next home loan!

  • One-unit properties – Single-family homes and condos
  • Loan must receive approval from Fannie Mae or Freddie Mac’s automated underwriting system to be considered for the appraisal waiver1
  • Purchase – Primary residence and second homes with a down payment of 20% or more2
  • Limited Cash-out Refinance – Up to 90% loan-to-value with Fannie Mae and 80% loan-to-value with Freddie Mac2

1Restrictions apply. Appraisal waivers are offered at the discretion of Fannie Mae and Freddie Mac and not all loans may qualify. To be considered for the appraisal waiver, a prior appraisal must already exist in their database for the same property and borrower. 2If an appraisal waiver has been offered to the borrower, the borrower may still choose to obtain an appraisal. If the borrower has chosen to obtain an appraisal, once it has been ordered, the appraisal must be used on the loan and the borrower cannot revert back to accepting the appraisal waiver.


VITEK Opens New Redding, CA Branch Location

September 19th, 2017

Equifax® Data Breach

VITEK Mortgage Group is excited to announce our new branch location in Redding, CA. VITEK is no stranger to Redding with a previous successful branch from 2003 – 2011. Mark Gazzigli, VITEK’s former Redding Branch Manager, has returned home to VITEK as Regional Manager to help support the growth of VITEK in the region, along with the needs of our borrowers.

Mark’s decision to return to VITEK was, “driven by the company’s core values, competitive pricing, and unwavering commitment to their borrowers and business partners. I am extremely excited about the opportunity to realign with a company that not only shares my vision of an excellent loan experience for the borrower, but has proven again and again they have the resources, knowledge, and platform to close loans on time.”

VITEK President, Harry Duncan, says, “We’re excited for this time of growth and once again to be established in Redding. Our new location will provide us additional resources and opportunities to grow and better serve the home-financing needs of our clients.”


Security Alert: Equifax® Data Breach

September 11th, 2017

Equifax® Data Breach

As you may have heard, Equifax (a US credit bureau) announced a cybersecurity data breach potentially impacting approximately 143 million US consumers. This incident in no way involves VITEK. However, there is important information you should know.

Based on Equifax’s investigation so far, the unauthorized access occurred from mid-May through July 2017. The information accessed primarily includes names, Social Security numbers, birth dates, addresses, driver’s license numbers, credit card numbers and certain other documents with personal identifying information.

Equifax has established a dedicated website to help you determine if your personal information has been potentially compromised and to sign up for credit file monitoring and identity theft protection. Click the following link to check if your information has been potentially impacted: https://trustedidpremier.com/eligibility/eligibility.html

If you have any additional questions, call Equifax at 866-447-7559 (including weekends) from 7:00 a.m. – 1:00 a.m. Eastern Time.


Home Safety Tips

August 16th, 2017

GSFA Affordable Subsidy

While we all hope for the best, we sometimes need to plan for the worst. A little forethought and planning can go a long way to help ensure your home and family are protected. These home safety tips can help you get started on building a plan to ensure your home has the proper safety measures in place.

  1. Fire Extinguisher – At the minimum, make sure you have a fire extinguisher in the garage and kitchen. If you have a two-story home, it is also advisable to have one upstairs as well.
  2. Escape Ladder – If you have a two-story home, make sure you have an escape ladder and teach your family how to use it. Depending on the size of your house, it would be advisable to have one at each end of your home.
  3. Emergency Plan – Put an emergency plan into place and practice it regularly with your family. Walk them through what to do in case of a fire, a break in, or someone needing medical attention.
  4. Peephole – If your home does not have a clear view of who is at the front door, consider installing a peephole. It is an easy DIY project to help keep you safe when you don’t know who is at the door.
  5. Medicines and Cleaning Supplies – Keep all medicines, cleaning supplies, and chemicals locked up and out of reach of children. Even if children do not live in your home, a visiting curious child can find their way into a cabinet with dangerous chemicals. Make sure to keep the phone number for Poison Control on hand and easily accessible.
  6. Deadbolts and Locks – Make sure all exterior doors have high-quality deadbolts installed, including back doors, front door, and garage doors. If you just moved into the home, it is recommended that you change out all exterior door locks. The former homeowners may have given out keys to neighbors, friends, and family.
  7. Home Security System – Consider installing a monitored home security system and/or security cameras. Security systems, today, are for more than protection against burglaries. Some systems allow you to easily call police, fire or medical services in an emergency, with just the push of a button. Some security cameras also give you the ability to check in on your home throughout the day.
  8. Smoke Detector Batteries – Make a habit of changing your smoke detector batteries before the detector starts to beep. A good recommendation is to change them twice a year, when the time changes for daylight savings.
  9. Carbon Monoxide Detector – Install a carbon monoxide detector on each floor of your home. Some detectors do not need to be physically installed, only requiring you to plug them into an electrical outlet.
  10. Leave The Lights On – When you won’t be home until late, consider leaving a light on in your home so it appears to would-be burglars that someone is home. Since the light may be on for a while, it can also be a good idea to swap out that light bulb for an energy efficient bulb like an LED.

GSFA Affordable Subsidy – Platinum down payment assistance program just got better!

July 31st, 2017

GSFA Affordable Subsidy

If you’ve been thinking of purchasing a home, or know someone else who is, we’ve got great news! Golden State Finance Authority (GSFA) has announced a new promotional offer for borrowers purchasing a home with conventional loan financing through the GSFA Platinum Program.

In addition to the Platinum down payment assistance (DAP) grant, low-income borrowers may be eligible for a GSFA Affordable Subsidy, an additional incentive to help them with down payment and/or closing costs. Like the GSFA DAP grant, the GSFA Affordable Subsidy has no repayment requirement!

Below are a few helpful questions and answers regarding the Affordable Subsidy.

How much money does the Affordable Subsidy provide? (Click here for program income limits.)
  • 2.0% of the loan amount for income ≤ 50% AMI
  • 0.5% of the loan amount for income ≤ 80% AMI
Do you need to be a first-time home buyer to take advantage of the Affordable Subsidy?
  • No, but you must meet the qualifying income requirements.
Does the Affordable Subsidy need to be repaid?
  • No, unlike many other down payment assistance programs the GSFA Platinum and Affordable Subsidy to not require repayment.
How can the money be used?
  • The Affordable Subsidy and Platinum grant money can be used for down payment and closing costs. (There can be no cash back to the borrower.)
Where can I learn more about the GSFA Platinum Program?
  • Visit our Platinum Program page to learn more about this great down payment assistance program.

If you have any questions about the GSFA Platinum Program or the Affordable Subsidy, contact us at (800) 570-5300 or fill out our contact form.