Contact VITEK

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!


Refinancing Your Current Home Loan

Depending on your specific situation, a mortgage refinance may be a good way to improve your financial situation.

You may want to consider refinancing your current mortgage for any of the following reasons:

To Lower Your Mortgage Rate & Payment - Even a small reduction in your mortgage rate can potentially have a significant impact on the long term cost of financing your home.

To Consolidate Debt - If you are paying a much higher interest rate on credit cards, auto loans and other debt, refinancing may allow you to roll these debts into one loan with a lower interest rate and potential tax benefits (consult a tax advisor).

To Get Cash Out of Your Home - Equity in your home is considered a dormant asset. There are certain situations and opportunities that warrant utilizing this equity in your home.

To Pay off Your Home Loan Faster - A mortgage refinance can be structured to accelerate the payoff of your home. Instead of refinancing into a typical 30-year mortgage, shorter term options are available, typically at lower rates.

To Move from an ARM to a Fixed Rate - Adjustable Rate Mortgages (ARMs) are ideal when mortgage rates are low or you do not intend to stay in the home for a long period of time. However, when rates increase, an ARM may become less desirable.

To Eliminate Mortgage Insurance (MI) - If you were unable to make a down payment of at least 20% when you first obtained your mortgage loan, you may be paying MI. If your home has appreciated and/or you have paid down your existing mortgage, you may be able to refinance your home to eliminate your monthly MI payment.

To learn more about refinancing your current home loan and to see if it would be right for you, talk with your mortgage loan originator, or contact us today.