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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!

HELOC

Home Equity Line of Credit (HELOC)

Avoid mortgage insurance (MI) with a HELOC


Use a HELOC second loan to purchase a home with a down payment as low as 10% and eliminate paying monthly mortgage insurance.

HELOC Program Guidelines:

  • Maximum 89.99% combined loan to value (CLTV) on primary residence for combined liens of up to $1,500,000 or less (second/vacation home option also available1)
  • Full, partial, or zero draw options available at closing
  • May be structured with gift funds
  • Owner occupied only (including second homes)
  • Minimum 700 FICO credit score2 of primary wage earner for combined liens of $750,000 or less (730 minimum FICO score for combined liens greater than $750,000 or if property is a second home)
  • Available for single-family homes, condos, townhomes, and owner occupied duplexes

Contact us today to learn more about HELOC second loans and how using one can potentially help you avoid paying monthly mortgage insurance.

HELOC home loans offered through TCF Bank. 1Restrictions apply. Contact us for details. 2720 minimum FICO score required for refinances in California for combined liens of $750,000 or less. Program guideline information may change without notice. Please contact us for the latest program guidelines.