Contact VITEK

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

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Speak with a mortgage loan originator

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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!

The Loan Process

The Loan Process

At VITEK we believe the home loan process does not have to be a confusing and intimidating maze.

We insist on providing our customers with information, education and realistic expectations. In this way, the loan process can be relatively straightforward and stress-free. We also believe that your transaction should not contain surprises along the way. We have systems in place to make sure you know what to expect and that you receive up-to-date information via email reminders throughout your loan process. Below we have outlined for you a roadmap for the typical home buying process with us:

  1. Get Pre-Approved - This is the first step in your search for a new home. Your VITEK mortgage loan originator can help you get pre-approved.
  2. Select a Real Estate Agent - A real estate agent can help you find a home, negotiate a successful offer and generally represents your interests throughout the escrow process. An agent with good knowledge of your area is ideal.
  3. Contingency Period - The contingency period allows you time in contract to buy your selected home and collect more information without forfeiting your deposit. The time frame ranges from between 10 to 18 calendar days, and is typical in most purchase contracts. During this period, your real estate agent will help you:
    • Review and approve the Seller's Real Estate Transfer Disclosure Statement
    • Review and approve the Preliminary Title Report
    • Contract for physical inspections
    • Order, review, and approve requested or required inspections
    During this time, your mortgage loan originator will work to satisfy any loan contingencies specified in the purchase contract.
  4. Homeowners Insurance Coverage - You will need to determine which homeowners insurance company will provide you the best coverage at a fair price. Homeowners insurance must be in place prior to close of escrow. If you are in a flood zone, you will also need flood insurance; VITEK will help you make this determination.
  5. Signing Documents - VITEK will prepare documents for you to sign. We will also transmit the documents to the appropriate location for signing, typically the title/escrow company. You will receive copies of all title and lender documents you sign.
  6. Down Payment and Closing Monies - Prior to closing, VITEK will provide a Closing Disclosure which will outline an estimate of your closing costs. Typically, you will bring a cashier’s check to the title/escrow company when you go to sign, a few days prior to closing.
  7. Funding - The escrow company will send your signed loan documents, along with any other outstanding loan condition documentation, back to VITEK. Once all documentation has been reviewed, VITEK will wire loan funds to the escrow company.
  8. Close of Escrow - Once the escrow company verifies receipt of the wired funds, they will arrange for the deed of title to be recorded in your name at the County Recorder’s office.

Congratulations, at this point you will be the owner of a new home!