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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
  • Owner-occupied residences only
  • Fixed rate loan
  • No reserve requirement
  • Income limitations apply
  • Seller contribution - up to 6% towards buyer's closing costs
  • 100% gift funds for closing costs allowed from family member
  • Available for purchase, streamline refinances, and rate/term refinances

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.