Real Estate Home financing in the Sacramento Valley of Northern California

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About Vitek	VITEK Mortgage Group began its quest for excellence over nineteen years ago as a two- person office of commercial loan consultants in Sacramento, California.
Aplique online	Es Fácil aplicar online.
Calculator	A 'Monster' Calculator with myriad functions relating to home loans
Careers at Vitek	The power of a mortgage banker and the flexibility of a broker.
Community Information	Extensive links to community services in the areas we serve.
Credit Scores	You may have heard of credit scores (FICO) and wonder what they are.
Customer Care	If you have a question about your mortgage, are interested in a new loan, or need general information about mortgages, we are here to help.
Find a Realtor	A current list of professional Realtors doing business in your area.
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Home Refinance	Refinancing your home loan makes sense only if you are able to have a monetary or security based gain.
Homebuyer Privileges	The system has an $825 retail value and is our gift to you at the close of escrow.
How to Hold Title	As a buyer or a seller, you want to make sure that all the conditions of sale have been met before property and money exchange hands.
Loan Products	Probably the best advantage you can give yourself as a buyer. Learn the benefits of pre-approval before you make an offer.
Planning your home purchase and financing	How do you determine whether or not the purchase of a home makes sense?
Pre-Qual or Pre-Approval	In most cases, you're much better off getting Pre-Approved so you don't have any surprises when a lender checks your credit report
Questions on Reverse Mortgages
Reverse Mortgages	The U.S. Department of Housing and Urban Development’s (HUD) reverse mortgage is a federally-insured loan that provides seniors with a safe plan to give them greater financial security.
Senior Resources
The real estate loan application process	Apply On-Line in English or Spanish -- We can give you a quote or answer any question you have.