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

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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!

Mortgage Credit Certificate (MCC)

Mortgage Credit Certificate (MCC)

How can an MCC potentially assist your home purchase?


Mortgage Credit Certificate (MCC) Program Benefits:

  • An MCC provides eligible homebuyers with a Federal Income Tax Credit based on a percentage of the mortgage interest paid each year.*
  • The Tax Credit is a dollar-for-dollar reduction against the homebuyer's Federal Tax liability and is valid for the life of the loan as long as you live in the home.**
  • The Tax Credit may also help homebuyers qualify for the initial purchase of the home, because it may be considered more "qualifying income".
  • An MCC is not limited to just First-Time Homebuyers if the property purchased is in a "Targeted Area".

*Income eligibility requirements, property location restrictions, first-time homebuyer requirements and other restrictions apply. A $500 MCC processing fee is required. **Homebuyers are encouraged to consult with their tax advisor regarding the impact of a MCC on their individual tax liability. Program guideline information may change without notice. Please contact us for the latest program guidelines.