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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 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

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.


Refinance and Pay Off Your Student Loans

April 28th, 2017

Refinance and Pay Off Your Student Loans

With home values on the rise you may be able to refinance and use your home’s equity to pay off one or more student loans.

Best of all, loan fees associated with a Student Loan Payoff Refinance are lower than a typical cash-out refinance, when all program requirements have been met.

Contact us TODAY to take advantage of a Student Loan Payoff Refinance and:
  • Pay off one or more student loans with your home’s equity*
  • Reduce your monthly debt payments

This is not a commitment to lend. Loan approval subject to program eligibility and lender underwriting guidelines. *Restrictions apply. Borrower must be personally responsible for the student loan(s) being paid off and student loan(s) must be paid in full. Partial payments of student loan debt are not permitted.


We’re Home!

April 21st, 2017

We’re excited to announce that we are officially settling into our new Home Office in Rancho Cordova, CA. Our new location has been fully remodeled to fit our needs and to provide our team a modern, fun work environment.

California has played an important role in our 30-year history has a company. It only seemed fitting to us to name important rooms in our new office after icons of California! Below are a few pictures from our new location along with names of our new Home Office rooms.

Welcome Center

Reception Desk

Capital Conference Room

Capital Conference Room

California Conference Center

California Conference Center

Prospect Park

Hall
Hall

Redwood Café

Redwood Café


VITEK Ranked #6 Mortgage Banker in Sacramento Region

April 13th, 2017

We’re excited to announce the Sacramento Business Journal recently ranked VITEK Mortgage Group a top-ten mortgage banker in the greater Sacramento region! VITEK was ranked #6 in dollar volume for residential purchase home loans.* We look forward to continuing to grow and help home buyers in the communities we serve!

We're Moving!

*Ranked by 2015 dollar volume of purchase home loans. Published by the Sacramento Business Journal on 3-10-17.