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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!

Loan Calculators

Which Loan is Better?

If you are shopping different lenders and their loan programs, visit our Mortgage Shopping 101 page for some valuable advice.


Input Information
  Loan 1 Loan 2
Loan Amount : ($)  
Interest Rate : (%) (%)
Length : (Yrs) (Yrs)
Points : (%) (%)
Origination Fees : (%) (%)
Other Lender-Only Cost : ($) ($)

Email (Required) :   
Your Financial Analysis (Understanding your Calculation)
  Loan 1 Loan 2
Points Value $2,500.00 $3,750.00
Origination Fees $0.00 $1,250.00
Total Closing Costs $3,700.00 $5,700.00
Amount Financed $250,000.00 $250,000.00
Monthly Principal & Interest : $1,342.05 $1,266.71
Total Monthly Payments : $483,139.46 $456,016.78
Payment Savings : $0.00 $27,122.68
Understanding your Calculation (Switch to your Financial Analysis)

While shopping for a home mortgage loan, you will be presented with different loan options. Plugging this information into the loan comparison calculator will allow you to determine which one is the best option for you.

If your loan is for $250,000.00, you might be able to choose a 30 year loan with an interest rate of 5.000%, with 1.000 point(s), and a closing cost of $1,200.00. Or, you might be offered a 30 year loan with an interest rate of 4.500%, with 1.500 point(s), an origination fee of 0.50%, and closing costs of $700.00.

With the first loan option, your total closing costs will actually be $3,700.00, while the second loan will cost $5,700.00 at closing. The first loan would come to $1,342.05 per month and the second loan would be $1,266.71.

When all is said in done, you will also pay less with the second loan. In fact, you will SAVE $27,122.68 with the SECOND loan because the first one would cost a total of $483,139.46 and the second would be $456,016.78.