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!

Mortgage Shopping

Make Accurate Comparisons and Good Decisions

Being a good consumer means comparing prices and doing your homework. Shopping for a home loan is no different. Here are some important things to consider to ensure you are making accurate comparisons and good decisions:

Be sure you are making an apples-to-apples comparison-same-day similar rates for identical types of mortgages. (For example, if you are shopping mortgage rates and have a quote for a 30-year fixed at 5.25%, only compare it to other same-day 30-year fixed quotes at 5.25%.) You will find that mortgage rates and closing costs can change significantly from one day to another.

To ensure the quotes are honest, ask the lender(s) if they are willing to guarantee (lock) the terms and rates for the time necessary to close your loan. This is a wise approach to get honest rate and price quotes.

It is crucial to compare the total of all points and lender fees for each mortgage (from section 800 to 813 on the Good Faith Estimate). The total of all these fees is the price of the mortgage. The lender with the lowest total cost has the best mortgage rate. Choose a lender that guarantees their closing costs before initiating your transaction.

Annual Percentage Rate (APR) is a number that is designed to represent the total cost of the loan expressed in terms of an interest rate. But it can also be misleading by failing to include some loan costs—so it is not ideal to use in a comparison. To get the most accurate view, compare current mortgage rates plus the total of all closing costs.

That being said, the best mortgage rate may not always be the best loan. There are very important considerations beyond rates and fees when shopping for a mortgage. Customer service, lender experience, and a company’s track record all contribute to your satisfaction in obtaining your loan. You want to work with a lender who knows what they are doing and can deliver on their promises. Always look for a company willing to put their promises in writing. Remember that price is what you pay, but value is what you get.