I believe there are two things that make for an exceptional mortgage loan consultant. First, "know your stuff." and second, "do what you say." Mr. Jason Mata and Mr. Tim Maghan with the VITEK Mortgage Group has not only shown that they implement these two important principles, but also that they will go above and beyond what other people in their industry will not normally do. What you ask could that be? Well, I had submitted a bid on a property that had multiple offers and Mr. Jason Mata-Vitek Mortgage Group contacted the listing agency was able to assure them that our offer would be a very smooth transaction, and my offer was accepted and we just closed escrow. :) I would highly recommend Mr. Mata and his team with the Vitek Mortgage Group to all of my clients and friends. read more

As a first time home buyer - first time going through the loan process - I wasn't exactly sure what to expect other than that it would be hard. It was not. At all. In fact it was so easy and fast - incredibly fast - that I'm pretty sure my experience with Evelyne Jamet and her team probably isn't the norm. They were exceptional. Easy to reach when I had questions, thorough in answering questions and communicating with me about what to expect, and so fast in processing documents and explaining what I needed to do when - they did it all. I couldn't recommend a better team and will never look elsewhere for loan services. read more

Robert Turrietta never disappoints me. All docs in on time and another smooth transaction. I will continue to recommend Robert to my clients. read more

I highly recommend VITEK, Evelyne Jamet, and their respective vendors for all of your mortgage loan needs. I've worked with Evelyne and the VITEK team for almost 20 years as we've expanded our home and taken advantage of lower rates. In all cases, my expectations were exceeded. Examples include faster than expected returned phone calls, proactive emails, and awesome follow up. In my recent, and probably last transaction (due to a shorter loan term and current rates), I was very impressed with their use of technology. Specifically, all activities up to the actual signing of documents were handled through email and electronic signatures. This enabled me to efficiently provide needed information and keep the process moving at a rapid pace. And all through the process I was being notified of the progress. There was never a moment where I questioned where we were in the process. Lastly, I felt that my business was truly appreciated and not taken for granted. Respectfully, Bill read more

I worked with Marlena Olson on my home loan for my first home. She was absolutely amazing and I highly recommend her to anyone looking for a wonderful experience. She is very attentive to detail and will treat you like family from day 1. Thanks Marlena! read more

Marlena was incredible to work with! She was very thorough and I would recommend her to anyone! I just bought my first house, and she made the process easy! She's very attentive to detail and responds to any questions you have quickly! read more

We worked with Dustin Terrazas at VITEK and it was a great experience! The holiday season can be busy and stressful enough, but throw in buying a house to the mix and it's even crazier. Dustin was patient and answered all of our questions, explained everything thoroughly and kept us updated throughout the progress even when he was at home with his sick kiddo. He never made us feel that we were bothering him and always returned our calls and emails. We contacted Dustin near the middle of 2016 to see where we were at and what, if anything, we needed to work on to be in a prime position to buy a house. He helped us through the entire beginning process and when we contacted him again towards the end of 2016 he picked up right where we left off. He knew what our budget was and didn't press us to go above what WE decided our max loan and monthly payment would be even though we were approved for more. We would and will definitely recommend him to anyone who is looking to purchase or refinance their home. And we will be when we decide to refinance or buy another home. Thanks Dustin! P.S. We received a hand written note from Dustin congratulating us on our purchase and wishing us Happy Holidays. That personal service and extra effort shows just how dedicated Dustin is to his clients and that we are people, not just another dollar sign. It was very much appreciated. Thanks again Dustin! read more

I worked with Dustin and Kristie. They provide great rate with prompt responses. Very easy to work with. You can't go wrong with Vitek Mortgage Group!! read more

Worst experience ever ..the loan process is long and painful..my credit score is 730 and I still had a problem getting a loan ...luckily I found safe credit ..they took the docs and the loan was funded 2 weeks later .. read more

Marlena Olson at Guild is exceptional and her team is just as good. We just finished purchasing our second home with her help and the process was amazingly smoothe. Marlena communicates exceptionally well and handles any challenges in the process with grace and ease. Thanks again Marlena, we can't wait to do business with you again. read more

Marlena Olsen of Vitek Mortgage Group is AMAZING. Strategic Thinking Problem Solver Creative Caring Dedicated Hard Working SO Client Focused Understanding and Empathetic I was turned down by another Mortgage lender, a difficult delay in purchasing a property. My R.E. Agent referred me to Marlena, his former colleague and a personal friend. My situation is unusual: sole breadwinner for my family, work for two employers, and one of those is as an independent contractor to a Australia based company; combined W-2 income and Schedule C income; work at different client sites and my home office. This year, 2014, Mortgage lenders want loan applicants who fit the "standard boilerplate". Even Ben Bernanke, former Chairman of the Federal Reserve Board was turned down for a re-fi! I'm an odd case that most mortgage lenders would never consider. i anticipated my first meeting with Marlena would be my last. Maybe ten minutes, i thought. Instead, she spent more than two hours with me, asking questions, getting details, understanding my income and debt liabilities. That first meeting was as she was battling a cold, having just returned from a multi-day stuck in O'Hare airport travel nightmare. I often travel for work, and i could imagine if it were me, i'd be home in bed resting. Marlena is an expert coach, mentor and navigator. Her E.A., Monica Gomez is top notch efficient, clear and has exceptional attention to every detail (how can she remember and organize all of my stuff so quickly?) Marlena and Monica are a great team. Marlena made a clear step by step plan for me to follow. I was able to do everything specifically to her clear guidance and document everything needed. She managed the entire process. My emails and calls on weekends and evenings were ALWAYS answered promptly. Marlena, with Monica's assistance, had my loan approved and funded in UNDER 30 days! Marlena knew the seller needed quick action, since the first mortgage lender i was trying to work with had dropped me. I would have never been successful without Marlena and Monica's help. Today, mortgage lenders are processing loan applications through automated computerized models and systems. My loan was successfully processed by PEOPLE. I will recommend Marlena Olsen, her E.A. Monica Gomez and Vitek Mortgage Group to everyone i know. read more

Working with Dustin was such a fun and professional experience. Dustin helped my clients to purchase their first home, being sure to educate and inform them throughout the process. He even came to the final signing in case they had any questions, which is not a common practice. His knowledge is exceptional, and he goes out of his way to respond to emails, phone calls or texts...including from his hospital bed after having emergency surgery! I look forward to working with him again, and have gladly recommended him to other clients. read more

Evelyne Jamet was our loan officer at Vitek and she was fantastic to work with. We were first time homebuyers and after shopping various lenders including our credit unions and the usual banking institutions, we ultimately decided to go with Vitek because they had the best mortgage options and they discount their fees for state employees through their CalPERM program (1/2 off the flat-rate admin fee and reimbursement for the appraisal and credit report fee). They also didn't have any hidden fees, and they didn't charge us to lock our interest rate. From our research, their interest rates were just a hair higher than the best interest rates at the credit unions (roughly 1/8 of a percent), but they offered loan products the credit unions did not have and that we honestly didn't think even existed anymore, including conventional loans with low down payments or loans with options for credits back for closing costs. We ended up getting a conventional loan with 3% down and still a low interest rate, which after number-crunching was better for us than the FHA loan our credit union offered because there was no upfront PMI charge, the monthly PMI was cheaper, and we didn't have to deal with the hassles/delays people complained about with FHA loans. The service Evelyne provided was wonderful. She presented a variety of loan options and took the time to explain each one with preliminary estimates so we could see and understand the numbers. Throughout the process she was always informative and communicative with us so we felt like we knew what was happening with our loan. She was also in constant communication with our agent, so she understood our contingency timelines, etc. and so he always knew where we were at in the loan process. We felt that Evelyne and the others at Vitek treated our mortgage with a sense of urgency so we trusted them to get our loan completed and funded before the close of escrow (which it did). The step-by-step movement of our loan through the process and the consistent communication reassured us our loan wasn't just sitting on a desk somewhere. Overall, we were very pleased with using VITEK for our mortgage and we were particularly happy with the high level of communication and service Evelyne provided. read more

Great team. Robert Turrietta was great and I recommend him and his team for any mortgage advice, consultation, or service!

Merlena was an absolute pleasure to work with. She was very patient with me and my questions. As a first time buyer, having her available to answer questions and advocate for me was invaluable. If you aren't sure about a loan company, I highly recommend Merlena. read more

Marlena is the best, simply put. I just finished my second home loan / purchase with Marlena in the last 8 years. She treated me, my time and my money with the highest level of respect. She works hard, along with her team, to meet my timeline and needs. She takes initiative to work with my agent and others and take work off of my plate. She is professional, courteous, and amazing. Also, she had referrals for me for everything I needed such as insurance, movers, etc, and I trust her recommendations fully. She gave me timely updates, ample time and explanation when she needed information, etc. There's so much to do when buying a new home that having someone like Marlena and team that you can count on to be on top of things, detail oriented, etc, helps take work and stress off your plate. Marlena will always be my go to lender, and I will recommend her without hesitation to anyone needing a lender. read more

I have applied for mortgages to purchase seven houses over the years, and my experience working with Evelyne and the team at Guild Mortgage was the fastest and smoothest process yet. I give my strongest endorsement to anyone looking for quality and value for their home mortgage. read more

Jason and Chase are a great team they help us thru out the process they kept us inform they made it pain less it took us two years and they stuck with us thru out the process. When we went to there office it was like going to there house very relax and professional. We had try the other mortgage company on H st stay away from them no help at all. Jason and Chase again great team. Thank you read more

I recently had the pleasure of working with Adam Radmand. From my first contact with him, all the way through to the very end with underwriter approval he has been on top of everything. He is consistent with communication and kept me in the loop with everything going on. I know for a fact that he has worked tirelessly to ensure that my loan got pushed through. I can't thank him enough for the professionalism that he has shown me throughout this process. I look forward to long a relationship with Vitek. I highly recommend Adam and his team! read more

Evelyne Jamet and her team are amazing. I was shopping a few lenders to get the best deal when my agent suggested I give Vitek and Evelyne a shot. Not only was Evelyne able to beat all others, large direct lenders and local lenders, she was able to provide complete detailed information. She provided full spread sheets of all costs, including monthly mortgage payment amount, for various situation both prior to placing an offer and after depending on what mortgage program we chose. I would definitely recommend any member of my family or friends to Evelyne and Vitek. It made the first-time home buying process so seamless. read more

RICH SONDHI was amazing. Extremely helpful every step of the way while my wife and I were purchasing our first home. Could not imagine a better experience and will be using Rich/VITEK in the future. Great experience. read more

I am a buyers agent that recently had the fortunate opportunity to work with Evelyne Jamet and her team. They were unbelievably efficient during every step in the process. She communicated with not only her clients but both agents ensuring a smooth and efficient transaction. She and her team were such a pleasure to work with. I highly reccomend VITEK!!! read more

JENNIFER CAPLAN BARTH is amazing! Truly, if you want a job well done call her and you won't be disappointed in the quality service and knowledge delivered. She and her team are responsive and caring and work hard to satisfy the client. Getting a mortgage is not for the faint of heart and you need an experienced team to guide you. Jenn is someone that will take your issues to heart and keep you from the many pitfalls in getting the loan. read more

Marlena Olson with Vitek helped my friend buy a home and it was one of the easiest and most pleasant experiences I've ever had as a Real Estate Broker. Marlena is an absolute professional. I'd trust her with my kids. read more

Marlena Olsen and her team saved our butts! We were working with and online lender and things went sideways while under contact, our realtor put us in contact with Marlena and she did an amazing job. She is the reason why I'm sitting in our first home. Could not have been happier. read more

I'd like to write a review of my recent experience with Vitek Mortgage (specifically the one on "3 Park Center Drive" in Sacramento), and also add my two cents in response to the other reviewer on this page by Ron B. who gave the 1 star rating. I admit that though I don't know what happened exactly to this person and of course it's very unfortunate that this person had a bad experience, but although everyone is entitled to their own opinion(s), I personally don't mind all the paperwork and docs...it could just be they are more thorough than most other places, and I would rather work with a place that's more thorough than not. In any place/department/agency, there's always going to be individuals that are better in communication than others (afterall, everyone has different communication skills & styles), but I wouldn't condem the whole group as a whole just because I get one bad egg, and if I did get one, I suggest just to move on to another person who can better help you. Fortunately, my experience with my loan officer was a very good one. So it goes to show, not everyone is the same. Furthermore, whether it is a selling agent or a customer, I think everyone is entitled to share and post reviews of their experiences here. WIth that said, my fiancee and I had just purchased our first home and Victoria Huynh & Jaimey Lai from Vitek Mortgage has really truly helped us a lot in making this a very smooth transaction. They are excellent in communication which is always a key. So my recommendation is that if you do go through Vitek Mortgage, I highly suggest you go through Victoria Huynh and Jaimey Lai--to you both, my fiancee and I would like to say to you this: We would like to give our warmest THANKS for all of your hard work and outstanding customer service. You ladies have made our first home buying experience a very pleasant one! Our real estate agent expressed that he was very pleased at how smooth this transaction went and stated that you guys are good! It sounds like you have restored some faith in the whole loan processing business for him. =) We know how much time and organization went into this but we can only imagine how crazy it must be from your perspective. We deeply appreciate all of your efforts for making this a great success! It's great to know that we have people we can trust and depend on in this business -- You've made a customer for life! Thank you both again, Vicky and Jaimey. :) May you both have a very Merry Christmas & a very Happy New Year! We hope to work with you two again someday! -J.V. + D.L.- -------------- read more

My wife and I had such an amazing experience with Vitek. We worked directly with Marlena Olson and Monica Gomez. At no point did I ever feel left in the dark or confused. Marlena is truly a professional and a master of her craft. Marlena was always available when we needed anything, wether it was through email, phone call or just a simple text message. Words cannot explain how happy we were to have Marlena in our corner. We really felt that we were always a top priority with Vitek and everyone made a point to make sure our experience was pleasant. read more

I highly recommend Robert Turietta. I am a Realtor and I have been working with Robert for over 10 years. I always refer my buyers to Robert, but I do not have control when I am the listing agent. Robert recently saved a transaction where I was the listing agent and was able to influence the buyers to switch to Robert. Quick close, everyone happy. My kind of transaction! read more

My wife and I recently inquired about a mortgage as first time home buyers with little to nothing saved, just good-excellenct credit and decent household income. We got setup with Evelyne Jamet and her partner Laura Derry. We ultimately did not go through Vitek only because we decided to go through a friend of a friend who had comparable rates and programs. But if we didn't get setup with a friend we would have definitely used Laura Derry and Team Jamet. These women know their stuff and are on top of it to say the least! After we had received our pre-approval information and followed up with some questions there was no doubt in my mind this would've been a comfortable process for us as first time home buyers. As a massive understatement I will say Ms. Jamet and Ms. Derry at Vitek are knowledgeable and professional. read more

Wow! Where do I begin? First of all I have to say Thank You, to Dustin Terrazas of VITEK! As a first time home buyer he was the best person I could have asked for to help me buy my first home! I had some personal difficulties that caused our original buy to become delayed which in turn was a domino affect on some of the other aspects of getting our loan. But in the end Dustin was able to get everything in order and I am now a very happy, very satisfied Home Owner! Thanks again Dustin, without your knowledge and hard work I wouldn't be here now in a home I can happily say is MINE! read more

I would like to say a BIG THANK YOU to Jason Russell and Kristie Scott of Vitek, Parkcenter, Sacramento for the precision with which they put together my loan document and got it funded in less than two weeks. The Bank Appraisal was to expire 8/22/14, a window of only two weeks and I was out of town 8/24 - 8/29. Jason and Kristie never gave up. I inundated them with all the required docoments on 8/29 on my return. They worked relentlessly even on weekends. And guess what? The Title Company got the Loan documents on Wednesday 9/3 for me to sign. The deal closed on Friday 9/5, loan was wired and deed recorded same day. AND I GOT MY KEYS ON SAME DAY Friday 9/5. Now how cool was that? Even my agent Craig Logan was shocked that in his 20 years as a broker he had never seen loan close that quick. Great job guys. THANK YOU AGAIN. Sebastian Oduni Sacramento, CA read more

My transaction with them did not work out. They miscalculated the amount of the loan and, after all the paperwork was signed with the notary and the money wired to the title company, they asked for more money! Odd transaction and something I never had happen before. There are lots of mortgage companies out there, best to choose one that can do the math or make good on their own mistakes. read more

Vitek Mortgage is amazing! My Mortgage Processor, Lori Cooley displayed great poise and professionalism in a very complicated loan process to say the least. Her open communication style, whether through old fashioned phone calls, emails, or texts kept the loan process smooth and stress free. I always got the answers I needed quickly. I trusted her completely and felt she genuinely had my best interest at heart. In the end, she was able to put me in an awesome loan program, with a great rate, and I was able to hang on to a lot of the cash I saved for down payment. And here I thought beforehand, Christmas was going to be a little thin this year by purchasing a home late in the year. Thank goodness she proved me wrong. No complaints here. Lori is a gem to work with and would definitely work with her again. Not only do I refer my friends to her, but also to everyone else reading this review. read more

My husband and I recently worked with Elizabeth Jenkins at vitek. She is, hands down, the BEST in her field. We had probably the most complicated loan ever. (Wish I was exaggerating, but I'm really not). We had worked with 4 other lenders in the prior year and a half and none of them could get the job done. This was not an easy loan to get closed, but Elizabeth worked tireless to get us in to a home. She promised she would do every thing she could and she did. Even when we were ready to give up she told us to keep the faith and trust that she was doing everything she could. She was in communication with us constantly always updating us on the process- with us every step of the way. If we contacted her, she actually answered our calls, texts and emails immediately even at times some would consider "after hours". She's is 100% dedicated to her clients and really cares about making sure you get in the right loan. I cannot recommend Elizabeth enough. I promise she will be amazing to work with! read more

Team Lee rocks! I was blessed to work with Sarah Lee and her fabulous team over the past several months. First, with a refinance of my current home (now a rental), then, with the mortgage on our brand new home. Team Lee held my hand and walked me through a process that I would have otherwise been lost in. They earned my trust and gave me options to help me make educated decisions in a complicated area. They were warm, welcoming and professional. When I felt vulnerable they made me feel safe and kept me apprised of the status of my loan. Sarah and Kelly were quick to answer my questions in a way I was able to understand. By the time we closed on my new house, I was truly able to call them friends. Words will never be able to properly convey how grateful I am for all they did for me. read more

This is my 2nd home purchase through Vitek, and my 2nd time working with Evelyne and Laura. They set the standard for customer service! I would not consider working with anyone else. Evelyne goes above and beyond to assist her clients; she is extremely timely, communicative, knowledgeable, and caring. Her guidance makes the home-buying process as easy and stress-free as possible. Upon my recommendation, my brothers have also worked with Evelyne to purchase multiple homes. She is our go-to broker!! Highly, highly recommended. You won't be disappointed! read more

Long story short. Great customer service. Requires you to input your entire social security number into its website to make a payment. So, vulnerable to ID theft. Vitek Mortgage did several of my loans without any hiccups or speed bumps. Can't say I got the best deal, but I believe I got a fair deal. So, there's that. Be forewarned that if you use Vitek's website to make payments, you'll be putting your personal data in jeopardy. Vitek just recently updated its website for online payments. If you have more than one loan with Vitek you'll need to set-up individual online accounts for each loan just to make payments. So, it's convenient for Vitek, but very inconvenient for its customers. Just shows you just how concerned Vitek is with its customers once it sells you a loan. Then, you have to provide your entire social security number to log in. Equifax, after the security breach, needs only six digits of your ssn to determine if you've been affected. Wells Fargo never asks for your ssn on its website. Vitek then requires six, count 'em six!, personal questions to prove you are you. In this day and age of hacking and identity theft, you'd think Vitek would have better than willy nilly security on its website. You're better off just paying using the paper statements. read more

I just closed on my new home in Sacramento CA. Robert Turrietta and his team at VITEK Mortgage were incredible. As a first time buyer I was nervous, but they guided me through the process with ease and efficiency. I received consistent communication throughout the process. My questions were always answered promptly and thoroughly. I want to give a special thanks to Chad Stellmacher who was patient and kind throughout. I highly recommend Robert Turrietta and his team at VITEK to anyone purchasing or refinancing a home. read more

I want to say thank you to Ken Wilburn for his outstanding work to get our loan refinance processed quickly and accurately. He explained everything well and he was available at all times for any questions. I really appreciate the effort and all the hard work that he did to make the loan happen. read more

Marlena was great! She is very knowledgeable and helped us navigate the process. As anyone who has purchased a new home knows, the process can be VERY stressful. We were not only selling our current but purchasing a new one at the same time. Marlena ensured that the transactions closed at the same time so it was definitely a seamless process. We would absolutely recommend Marlena to anyone. read more