Contact VITEK

Contact us for any questions you might have! We are here for you!

* Required Field

Questions/Comments/Feedback?

I would like to:

Speak with a mortgage loan originator

Schedule a consultation


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 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!

CalPLUS with Zip Second Loan

CalPLUS with Zip Second Loan

Closing Cost Assistance Program


Eligible home buyers can purchase a home and finance all or most of the closing costs and prepaid items using a ZIP second loan. In addition, ZIP can be combined with the MyHome down payment assistance program to finance the down payment as well. This allows eligible borrowers to purchase a home with little to no out-of-pocket costs.

  • Two loan amount options for ZIP second loan: 3% or 4% of the first mortgage loan amount; interest rate will be higher on the first loan based on the loan amount of the ZIP second loan
  • ZIP can be used towards closing costs and prepaid items
  • ZIP second loan has a zero percent interest rate and no monthly payments until the first loan is paid off, the home is sold, refinanced, or there is a transfer of ownership
  • Eligible borrowers can combine with the CalHFA MyHome program for up to an additional 3.5% of the purchase price in down payment assistance*
  • Available with an FHA or conventional first loan
  • Must be a first-time homebuyer
  • Borrower income eligibility restrictions apply

*Restrictions apply. Contact us for details. Program guideline information may change without notice. Please contact us for the latest program guidelines.