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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!

First Time Homebuyer

First-Time Homebuyer

Hold the Keys to Your New Home!


Buying your first home can be one of the most intimidating decisions you will ever make, bringing a mixture of emotions - excitement, nervousness, and uncertainty. We know, because we have helped thousands of first-time homebuyers just like you. The key is to understand the basic steps in the loan process. This will help you know exactly what to expect. Before you know it, you will be holding the keys to your new home!

Loan Calculators - Our loan calculators are a great place to start when you are thinking about buying a home. They are designed to help provide you with a basis to calculate what you can afford and what your monthly payments will be.

Get Pre-approved - Before you begin your new home search, you will want to get pre-approved with a lender. In the pre-approval process you will work with one of our mortgage loan originators to review your income, assets and credit worthiness. This will determine exactly how much home you can afford. To learn more about the pre-approval process click here.

Loan Approval - Once you have made an offer on a home and the seller accepts it, your loan will go into the "processing" stage. Here, with the help of your real estate agent, you will supply the purchase contract and title company information to your loan. If you are not already working with a Realtor®, VITEK can provide excellent recommendations. Once your loan is processed, it will go to our in-house underwriter for approval.

Closing - Once your loan is approved, we will prepare your loan documents and submit them to the title/escrow company for you to sign. At your request, your mortgage loan originator will attend the signing to answer any questions you might have. After you have signed the documents, the title company will send them back to us for funding. When your loan has been funded, your mortgage loan originator will call you to congratulate you on the purchase of your new home.

Down Payment Assistance Programs (DAP’s) - From time to time, there are special federal, state, county and city funded down payment assistance programs, also known as "DAP’s". When funding is available, these programs are designed to help first-time homebuyers by providing funds for their down payments. Generally restrictions such as income limitations and home purchase price apply. To learn if there is a DAP currently available for you, talk with your mortgage loan originator, or contact us today.

Specialty Loan Programs - There are several programs available to help first-time homebuyers, state workers, teachers and veterans, so it is important that you take the time to talk with a mortgage loan originator about what option best fits your needs.

If you are ready to start the pre-approval process, click here to start our online application. If you are already working with a mortgage loan originator, you can apply online with them directly by visiting our directory.