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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!

USDA Rural Loan

USDA Rural Loan*

If you are looking to purchase a home in a rural area, a USDA home loan can be a great option to consider.


The United States Department of Agriculture (USDA) Guaranteed Rural Housing (GRH) offers a 100% financing home loan program. Best of all, you do not need to be a first-time homebuyer.

There are specific requirements for this loan program, both for the borrower and for the location of the property. Borrower must meet income-eligibility requirements and must occupy the home as their primary residence.

USDA Guaranteed Rural Housing loan program:

  • No first-time homebuyer requirements
  • Eligible in most rural, non-metropolitan areas*
  • 101.0% loan-to-value (LTV) financing (100% financing plus 1.0% up-front Guarantee Fee included)
  • Annual fee of 0.35% of the unpaid principal balance will be included in monthly payment
  • Fixed rate loan
  • No reserve requirement
  • Owner-occupied residences only
  • Income limitations apply
  • Seller contribution - up to 6% towards buyer's closing costs
  • 100% gift funds allowed from family member for closing costs

One of our mortgage loan originators can help you determine whether your income and location qualify you for this program. Contact us today for eligibility.

*Restrictions apply. USDA loan program is not available in all areas. Program guideline information may change without notice. Please contact us for the latest program guidelines.