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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

Archive for the ‘VITEK Mortgage Group’ Category


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

Monday, 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

Friday, 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!

Friday, 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

Thursday, 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.


10 Home Loan Dos and Don’ts When Obtaining a Mortgage

Monday, March 20th, 2017

10 Dos And Don'ts When Obtaining A Home Loan

These Top 10 Dos and Don’ts can greatly impact your ability to qualify for a home loan or close on time. It is critical you follow these ten things to help ensure your home loan process goes smoothly.

  1. Don’t apply for new credit or make major credit purchases
  2. Don’t close or max out credit cards AND stay current on payments
  3. Don’t change jobs
  4. Don’t switch banks, move your money around, or deposit large amounts of cash or non-payroll checks into your bank account
  5. Don’t leave town for an extended period during escrow
  6. Do keep a paper trail for charge offs and/or collection payoffs
  7. Do keep a paper trail for all non-payroll deposits into your bank accounts
  8. Do wire gift funds directly to the escrow company
  9. Do advise your Mortgage Loan Originator of any debts not reporting on your credit report
  10. Do call your VITEK Mortgage Loan Originator if you have questions!