The American dream -- home ownership! More people are taking advantage of today's low rates to buy their first home, or their dream home. I'm on your side. I help find the best loan for you so you can concentrate on getting ready to move in!

At VITEK Mortgage is a California ONLY  Direct Lender for;

•  FHA,
•  VA,
• Conventional,
• Jumbo,
• Fannie Mae and Freddie Mac --
• We fund or coordinate dozens of down payment assistance and First Time Home Buyer Programs

To help you unlock the doors to your new home.(click here for information on one program  Before you even start home shopping, let me help you get pre-qualified and provide you with ALL loan options available for your purchase. 

• You'll have the clout of a cash buyer.
• You'll know how much you can afford.
• You'll  be well on your way to the mortgage program that's right for you  and know how to write the offer!

You don't pick the house that is best for someone else, why would you just use the same loan a friend used? Or, one that is easiest for the lender?  I will provide the loan option (s) that best match your needs. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. (See what buyers say)

Getting the right mortgage loan is like getting the keys to your new house!

Browse my website to learn about:

• What is a Credit Score 
• Down  Payment Assistance
• Let Uncle Sampay for 20% of your mortgage interest!
• New Homes
• Useful first time buyer information.
• What you'll need to apply
• How I help find the loan that's right for you.
•  Mortgage Shopping 101

If you have wondered how credit scoring actually works...just click here for a short informative video.

If you own a home and want to take advantage of today's low rates, or cash out equity, you've come to the right place!