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Mailing Address

VITEK Mortgage Group
Corporate Office
3 Parkcenter Drive
2nd Floor
Sacramento, Ca 95825
Toll Free: (800) 570-5300

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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!

Veterans

Veteran Home Loans

Did you know that eligible veterans can buy a home with as little as zero money down?

If you are actively serving in the armed forces, or are a veteran who received a discharge classified as Honorable or Under Honorable Conditions and served a minimum of 90 days active duty, you may qualify! The "VA Guaranteed Home Loan" is a government backed program designed to make the dream of homeownership possible for eligible veterans.

VA Purchase Loans

Here are some important benefits:

  • 100% financing available
  • The seller can contribute the full amount of the borrower's closing cost, plus up to an additional 4% of the sales price
  • The veteran can be stationed overseas and his or her spouse can still purchase a home locally
  • In-service veterans can use quarters/housing allowance income to qualify and make the mortgage payments
  • There are no prepayment penalties

Eligible veterans who have available home loan entitlement may use a VA Guaranteed Home Loan to purchase a single family residence, condominium, townhouse, co-op, or build a new home. The loan can also be used for energy efficient repairs, alterations, renovations and improvements. VA loans can only be used on a primary residence. Since VITEK is a direct lender for VA loans, we can process your loan in-house which will get you into your new home faster.

VA Refinance Loans

Rate Reduction Refinance – A VA guaranteed loan made to refinance an existing VA guaranteed loan to a lower interest rate. There is minimal credit qualifying, including a 620 credit score or better and no late mortgage payments in the last twelve months. An appraisal is not required, which is especially helpful for homeowners who owe more than their home is worth. You may also add up to $6000 of energy efficient improvements into the loan. All closing costs can be financed into the loan, eliminating all out of pocket costs. A certificate of eligibility is not required.

Special note: No loan other than the existing VA loan may be paid from the proceeds of a rate reduction refinance. If you have a second mortgage, the holder must agree to subordinate that lien so that your new VA loan will be a first mortgage.

Cash-out Refinance (Often referred to as a "regular" refinance) – A VA guaranteed loan that refinances any type of existing loan, not just a VA loan. Veterans can receive cash out up to 90% of the appraised value of their home. VA regular refinances are for primary residences only.

CalVET Home Loan:

  • 100% financing available
  • No prepayment penalties
  • Low interest rate
  • Qualified first-time homebuyers receive an even lower rate

The CalVET home loan program has expanded eligibility, so that most honorably discharged veterans are now eligible. There are no restrictions based on your state of residency when you entered the service, but your home purchase or refinance must be made in the state of California.

To learn more about VA and CalVET loans and their advantages for you, contact your mortgage loan originator or contact us today.