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3 Parkcenter Drive
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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 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!

Team VITEK Blog

Posts Tagged ‘realtor’

STAY INFORMED OF YOUR ESCROW’S LOAN STATUS
VITEK GIVES YOU ‘LOAN STATUS UPDATES’ IN ‘REAL TIME’!

Tuesday, July 27th, 2010

Whether you are a homebuyer, Realtor®, or Escrow Officer, chances are you have endured a frustrating transaction by not knowing what is happening with your loan. Now with VITEK’s ‘Real-time Loan Status Updates’ (LSU), you will always know where your loan is in the process! We believe communication is vital to ensuring a smooth and successful transaction for our clients. Along with our new Loan Origination Software (LOS) we recently launched, we have programmed ‘Loan Status Updates’ into the loan process to keep you informed of important milestones in the transaction, as they happen.

When VITEK is your lender, in addition to phone calls from your mortgage loan originator, you can expect to receive email notification of important events in the loan process, triggered by the actions of our different loan departments.

A few important LSU’s that you can expect to receive include:

    • Preliminary Title Report Received
    • Loan Assigned an Underwriter
    • Loan Approved with (or without) Conditions
    • Loan Documents Ordered
    • Loan Funded!

To help ensure your loan closes quickly, in addition to communicating with you on the status of your loan, we also keep you informed on important information you will need to take note of throughout the transaction.

If you want to stay fully informed throughout your loan transaction, allow VITEK to walk you through the home loan process. You won’t be disappointed!

Photo of Philip Duncan

Philip Duncan
Executive Vice President


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Posted in Uncategorized, VITEK Mortgage Group, first time homebuyer | No Comments »

Reverse Mortgage Saves 90 Year Old from Losing Her Home!

Friday, June 18th, 2010

There come along certain times in your life when you feel truly honored to have had the privilege of helping someone in need.   Recently, I had one of those very opportunities.  One of my fellow VITEK mortgage loan originators contacted me about a senior whose home was being foreclosed on.  Karen Holbert, a friend of the senior’s family, and a Realtor®, saw the home’s notice of sale in the newspaper and immediately contacted us to see if VITEK could help.

I contacted the ninety-year-old woman and her granddaughter to see if there was anyway we could be of service to help save her home.   After meeting with both ladies, I found out that the granddaughter had recently gone through some hard times, and poor health and a growing pile of bills consumed her and the home became delinquent.  During our conversation, I was able to discuss with them the option of a government regulated and insured program that could save the home.  This program, called a Reverse Mortgage, would allow her to remain in the home and eliminate the home’s mortgage payments altogether.

Karen Holbert, the Realtor®, was able to negotiate a hold on the sale of the home to provide enough time for us to process the necessary paperwork for the Reverse Mortgage.  Through everyone’s hard work and dedication, we were able to get the loan expedited and closed quickly.  I am so thankful for the speed, dedication and professionalism that everyone provided throughout the process.  Best of all, we helped a wonderful woman be able to say in her home!

“Thank you again for all the hard work you’ve done for our family, Esther. You’ve helped guide us through this confusing process, and to expedite it all as well…once again, I can’t find the words to thank you enough.”

As a Reverse Mortgage Specialist, I am here to answer all of your questions and talk with you about the benefits of the program.  If you, or someone you know, is sixty-two or older, and would like to learn more about eliminating your mortgage payments, contact me today so we can discuss if a Reverse Mortgage is right for you.

Esther Fuller
Esther Fuller
(916) 715-7244
efuller@teamvitek.com

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Posted in Uncategorized, VITEK Mortgage Group, reverse mortgage | No Comments »

Homebuyers 10 Most Common Regrets (and how to avoid them)

Monday, November 2nd, 2009


1. Not thinking of your long term needs. Put some thought as to where you and your family will be in 2-6 years. This timeline will assist you in your home selection.

2. Not being open minded with your home search. The best way to find the perfect home is to contact a Realtor®. The inventory of houses on the market is constantly changing. A Realtor® can guide you through the process and they have access to up-to-date listings and details, unlike internet searches or print literature.

3. Deciding to hire just any agent. Anyone with a Real Estate license can write an offer. The key is to make a connection with a Realtor® you trust, with a proven track record and that has your best interest at heart. Ask friends or co-workers for a referral.

4. Not doing thorough research Know what you expect and want and then get the facts. Create a list of what your needs are. Decide what is important to you such as schools, parks, crime rate, gated community, etc. Having these answers can be critical before writing an offer on a home. Be detailed about what you want and your Realtor® will better understand your needs in order to show you homes meeting your criteria.

5. Writing an offer before being pre-qualified. Meeting with your lender, reviewing the program you are qualified for, the closing cost estimate and the rate will relieve the stress of knowing your payment and estimated cash required at closing.

6. Not understanding the cost involved in your loan. Now is the time to get the figures. Meet with your lender. Review a Good Faith Estimate. This estimate will contain taxes, insurance, homeowner’s dues, loan fees, etc. This will be a good indication of how much money you will need to close your loan and the estimated monthly payment.

7. Looking at a limited number of homes. Most likely this will be the largest purchase you will ever make. Property listings come and go. Request your realtor to prepare a market analysis. This will provide you with current important data to save you time and stress.

8. Not paying to get the home inspected. Now is not the time to cut corners. When you hire a professional home inspector they will inform you of items you may have overlooked.

9. Not obtaining the right amount of property insurance Rely on a professional for advice. Contact several companies and get quotes. Ask about replacement cost and deductibles.

10. Not purchasing a home warranty. This is a safety net. The warranty is usually good for one year from the close of escrow date and can be purchased by you or the seller. Talk to your agent about this necessary protection plan.

Marlena Olson
(916) 486-6931
molson@teamvitek.com

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Posted in VITEK Mortgage Group | 4 Comments »