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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 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

Posts Tagged ‘Rancho Cordova’


Our Home Office Is Moving!

Tuesday, February 21st, 2017

We're Moving!

We’re excited to announce our Home Office is moving! On April 14th our Home Office will be moving from our current location in Sacramento, CA to a new office in Rancho Cordova, CA. The move is an exciting one for us, as it will provide:

  • A more centralized location
  • More room to grow
  • Better collaboration – All Operations and Administration employees will be together on one floor

As of end of day April 14th our new Home Office address will be 2882 Prospect Park, Suite 100, Rancho Cordova, CA 95670.

We look forward to sharing pictures of our new Home Office soon!


New Program Reduces Federal Income Tax a Homebuyer Pays!

Monday, August 9th, 2010

New money is now available for the SHRA MCC program. This program blows away the $8,000 First-time Homebuyer Tax Credit, if the borrower keeps the loan in place for more than five years as an owner occupant.

The Sacramento Mortgage Credit Certificate (MCC) Program is designed to provide homeownership assistance on home purchases within the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova and the County of Sacramento. The MCC reduces the amount of Federal income tax a homebuyer pays, thus giving more available income to qualify for a mortgage loan and to make monthly mortgage payments. This new allocation won’t last very long, so take advantage of it while you can. Below are a few keep points on the MCC loan program.

Program Features:

      • 20% Mortgage Credit Certificate – a tax credit of 20% of the annual mortgage interest paid (amount of the credit cannot be more than the annual federal income tax liability after all other credits and deductions have been taken into account)
      • MCC will be in effect for the life of the original mortgage loan provided property remains owner occupied
      • MCC may be reissued one time, upon the first refinance of the original mortgage loan
      • MCCs may be used with conventional loans, fixed-rate or adjustable loans, FHA and VA loans (MCCs are not available with bond-backed loans such as CHFA or Cal-Vet)
      • 40 percent of an MCC allocation is reserved for households whose income does not exceed 80 percent of the area median adjusted for family size

Eligible Applicants Include Homebuyers:

      • Who are first-time homebuyers (have not owned and occupied a home as a principal residence within the preceding three years) (in federally designated target areas, you do not have to be a first-time homebuyer)
      • Able to qualify for a loan to purchase the home
      • Who will live in the home being purchased
      Who do not exceed the following income limitation:
        • 1 or 2 person household $73,100 (non-target areas) $87,720 (target areas)
        • 3 or more person household $84,065 (non-target areas) $102,340 (target areas)

Eligible Properties Include:

      • Single family homes that are located within the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova and the unincorporated areas of the County of Sacramento.

        Maximum purchase price limits:

            • New and Existing Homes $506,795 (non-target areas) $619,417 (target areas)

Contact me for more information or a list of federally designated target areas.

Photo of John Easterbrook

John Easterbrook
(916) 486-6969
jeasterbrook@teamvitek.com