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Team VITEK Blog

Posts Tagged ‘refinance’


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.


Have you refinanced? Act now before rates increase further!

Wednesday, January 6th, 2016

Refinance and feel like a financial genius

On December 16th the FED raised interest rates by 0.25%. This is the first of several FED interest rate increases we anticipate going forward.

If you’ve been thinking about refinancing your home loan, now’s the time to act. Just a 1% increase in interest rate can mean a substantial difference in monthly savings for you.

Refinance Example

That’s a monthly savings of $180, big ones , Benjamins , bones , clams , (you get the idea).

Even if you are not currently looking to refinance, you may know someone who is. Share this information with them.

Now’s the time to act – refinance and feel like a financial genius!

*Interest rates and annual percentage rates (APRs) quoted are based on a FICO score of 740 and were available on 12-23-15. Interest rates are subject to change without notice. Payments are estimates only and do not include taxes and insurance which will make the actual payment obligation higher. Payments are based on a $300,000, 30-year conventional loan at 75% loan-to-value (LTV). This is not a commitment to lend. Not all borrowers will qualify.


10 Great Reasons to Choose VITEK

Thursday, January 6th, 2011

Whether you’re seeking to refinance your existing mortgage, or looking to purchase your first home, choosing the right lender will make the difference whether your experience is positive or not. If you are currently shopping for a home loan, or know someone who is, here are ten great reasons why you should choose VITEK for your next home loan.

    1.) Knowledgeable Mortgage Loan Originators Available Seven Days a Week
    2.) Close Faster with VITEK’s In-house Underwriting and Funding
    3.) Guaranteed On-time Loan Closing
    4.) FREE Pre-qualification to Provide You Stronger Contract Negotiating
    5.) Apply On-line 24/7 with Our Easy Five-minute Application
    6.) Complimentary Crime Alert Security System (Greater Sacramento Region only)
    7.) FREE Credit Analysis
    8.) Savings Up to $3,200 with Homebuyer’s Privilege Discounts from Multiple Home-related Product and Service Providers.
    9.) Real-time Loan Status Updates
    10.) Best Bank Rates – We do the Shopping for You!
Photo of Jennifer Remedios

Jennifer Remedios
(916) 486-6954
jremedios@teamvitek.com



Fixer-Uppers Made Easy

Monday, December 7th, 2009

Want to buy a home but need more money for desired or required repairs? You now have a solution! The Department of Housing and Urban Development’s FHA Streamline 203(k) loan allows you to finance up to $35,000 more into your mortgage to repair or upgrade the home before you move in.

Whether cosmetic or necessary, you can quickly and easily tap into the additional money needed to afford the home improvements. Even better, the additional funds are included in your mortgage. You only have one loan and rates are the lowest ever!

Of course there are limitations and not every repair qualifies. If you or anyone you know is interested, give us a call. We’ll gladly provide you more information about this special program. Call now and you may be eligible for up to $8,000 in additional government tax credits!


Evelyne Jamet
(916) 486-6926
ejamet@teamvitek.com


More Reasons to Include Energy Efficiency in Purchase Transaction

Friday, October 23rd, 2009

Until real estate markets and the housing industry return, our economy will continue to flounder. Housing brings construction jobs, home improvements and the eventual purchase of landscaping – gardening supplies and new or almost new furniture. This in turn creates jobs, production and retail sales. Perhaps this cash for appliances program, which really comes out of global warming and “green” beliefs, will further help families afford their homes.

The coming “carbon foot prints” legislation will have a dramatic effect on the cost of utilities, heating air conditioning and general household use of electricity. The wise person will take advantage of these credits to provide for future savings. In California we have a state run program called CHEERS (California Home Energy Efficiency Rating Service) which oversees energy raters. It is the responsibility of these raters to evaluate a home’s energy efficiency and to provide a plan to increase the efficiency through a cost benefit analysis. This is something any home owner can order. The fee for this service is similar to an appraisal fee.

For a home buyer, the energy rating can be used to increase the energy savings by adding the cost (provided by the analysis) to the loan amount. This is only in the case of government loans. The lender qualifies the borrower for the purchase, then ads the energy improvement costs to the loan. (No additional qualifying.) This can make a significant difference in utility costs for buyers of older homes since the EEM (Energy Efficient Mortgage) also covers replacing single pane windows, adding insulation, in addition to the afore mentioned items like updated heating and air systems. In newer homes with raised foundations, often the “blower/pressure test” shows that the ducting has loosened and is leaking – a less costly fix but a money savor all the same. With the work being completed after the close of escrow, there has been little resistance to the program from Realtors® or sellers.

The additional “cash for appliance” program just ads another incentive to make energy efficiency part of the home buying process. With the rebates available, even existing homeowners may want to take a closer look at increasing the energy efficiency of their homes since the EEM is also available for government loan refinance transactions.


Ingrid Pierson
(530) 885-1545
ipierson@teamvitek.com