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!

Conventional 97%

Conventional 97%

Buy a home with a down payment as low as 3%


With its low-cost mortgage insurance (MI) premium, a Conventional 97% mortgage is a great alternative to an FHA loan. Best of all, the Conventional 97% loan program can even be combined with Lender Paid Mortgage Insurance, where VITEK covers the MI for you.*

Conventional 97% Loan Options:

  • Down payment as low as 3%
  • Down payment and closing costs can come from a gift
  • Using eligible down payment assistance programs, borrowers can finance their down payment and/or closing costs up to 105% of the combined loan-to-value
  • VITEK Mortgage Group can pay for the mortgage insurance (MI) premium on the loan when you combine the conventional 97% loan program with Lender Paid Mortgage Insurance*
  • There are multiple conventional 97% financing options available. Some require at least one borrower be a first-time homebuyer (has not owned a home in last three years)

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