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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 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!

Energy Efficient Mortgage

Energy Efficient Mortgage (EEM)

Looking for ways to improve your home's efficiency and potentially value? With an Energy Efficient Mortgage, finance energy efficient improvements into an FHA home loan.


The Energy Efficient Mortgage (EEM) can be a great home loan program for borrowers to finance energy efficient improvements into an FHA home loan.* Borrowers can finance up to 100% of the energy saving improvements as long as the value of the energy saved can be shown to be greater than the cost of the improvements according to FHA guidelines.

EEM allows for energy improvements such as*:

  • Upgrade Existing Windows
  • Upgrade Existing Heating and Air Systems
  • Upgrade Insulation
  • Plus many many more energy efficient improvements

*Restrictions apply. The value of energy saved must be greater than the cost of improvements, according to FHA guidelines. Cost may be added to the mortgage amount per FHA's maximum calculations. Ask your Mortgage Loan Originator for details, or contact us for more information. Program guideline information may change without notice. Please contact us for the latest program guidelines.