I was introduced to Randy Randazzo, of Vitek Mortgage, by my realtor. Randy is a bright, articulate, enthusiastic man. He provided me with the information and tools to make my dream of owning my own home a reality. I started the house hunting process in spring of 2017. I was ready to purchase a home, but to get a decent interest rate on a loan, I needed to do a little bit of work to bring my scores up a bit. Randy told me what he thought needed to be done and after following his direction, we moved forward in October. Today, I am in my own place with a mortgage payment that is less than I was paying in rent. Randy took me through the entire process with ease and a pleasant demeanor. I highly recommend Randy to anyone who is considering purchasing a home, be it a first home or another home! He knows the ropes and knows how to help make your dream come true! A. Boxwell, Sacramento, CA Randy Randazzo Mortgage Loan Originator Office: (916) 889-8528 Cell: (916) 601-7091 Fax: (866) 380-0233 rrandazzo@teamvitek.com Website: rrandazzo.teamvitek.com Licensed - NMLS # 284482 read more

Unfortunately the only positive experience that I had with Vitek was that the staff was extremely friendly. Reading all of the positive reviews, I called Vitek and made an appointment to see a member of their staff. Although I lived in San Jose, I was interested in purchasing a home in Sacramento, so I drove all the way up from San Jose for my initial appointment to see if I would qualify for a home loan. I had some past credit challenges which I was very forthcoming and upfront about during my initial consultation with Vitek. I was told that I was pre-APPROVED for a home loan and was asked for preliminary paperwork. I was even told that I would qualify for a down-payment assistance grant, which I was excited about since I had very little upfront money available to me. After an exhausting search for the right home, I found a home and decided to place an offer, which was accepted. I worked out an arrangement to rent back the home until escrow closed which was to be 30 days later. During the underwriting review, a couple of issues came up that caught everyone off guard. And while they were unforeseen and certainly unique in nature, they definitely were not impossible to overcome. Vitek made some effort to get them resolved, but fast forward two months and days before the extension for escrow was to expire, I was told that my loan was denied and Vitek dropped me like a bad habit, left to sink or swim on my own. So now that I've spent a significant amount of money moving from San Jose to Sacramento, put up Ernst money as well as other new home related expenses, I find myself in a situation whereas I stand to have just thrown a whole lot of money out the window and left to save myself. Thanks Vitek. Thank goodness I don't give up very easily. So I find another lender that is happy to do whatever it takes to get my loan through underwriting. But now I find out that I do not qualify for that too good to be true Down Payment Assistance Grant that Vitek lured me in with and is what I based my decision on to even proceed with buying a home. So now I have to decide to either pack up and move into an apartment and lose my Ernst money as well as all of the other money I put into this move, or roll the dice and see what happens. Again, I don't give up easily and I roll the dice and I am now a home owner. Not before having to come up with about another $10K however. Why were the other guys who are much smaller than Vitek able to get this deal done? Underwriting was much more brutal and unforgiving with the other guys than with Vitek, and it the other guys had to put a lot of effort and work into closing this deal. But the point is, it clearly was not impossible. When the going got tough, Vitek got going and left me alone and stranded and someone willing to put in the work and effort came along and proved that Vitek clearly was not interested in doing so. I made financial decisions based upon information that Vitek provided me, and the information that I was provided proved to be at best, unreliable which put me in a very difficult situation. Again, the staff at Vitek were extremely friendly, but friendly just didn't cut it and I am extremely disappointed that Vitek is okay with leading down an unfamiliar road, only to take off leaving me stranded and alone to fend for myself. If the other guys were able to get it done, you should have been able to as well. You failed not only me, but yourselves as well. The upside to all of this is that the other guys were able to get me financed for a full percentage point less than you. read more

This review is specifically for Randy Randazzo, a Vitek loan officer. Randy took the time to sit down with me and explain everything associated with obtaining our home loan. He was patient, kind, knowledgeable and easy to get along with. For the next five months, every time I needed a closing cost/payment estimate for a home we considered, Randy emailed it to me within the hour. Every time I needed an approval letter to submit with an offer, I had it instantly. Here is the kicker. Today, I wrote an offer on THE house. Trouble is, the seller is unfairly requiring I use a lender other than Vitek. Randy was gracious and professional in bowing down. He truly wants me to find the right house over closing the loan. It is this type of customer service and dedication to the profession that all loan officers should share. I HIGHLY recommend Randy and only hope that others will use him again and again in the future. read more

It was a great experience working with Sarah Lee. It was first time buying a home and she did a great job answering all my questions. Great company with awesome customer service. read more

Randy Randazzo is great to work with. I brought him a few first time lenders and he explains the process well to new buyers and at the same time keeps me in the loop the entire time during the process. Which is a must when you are in escrow... Randy helped the process go smoothly, especially when other parts of the deal can make an agent crazy. Nancy read more

Vitek is by far the worst company I have ever dealt with in my 70 years. They don't give me credit for payments I make, charge for services I specially don't want, and conveniently disconnect me on the phone when I try to speak to them. I reported this problem to the Washington State Attorney General's office one year ago, and finally spoke with someone in the main office who assured me the problem would be taken care of. Never happened. STAY AWAY FROM VITEK AND GUILD MORTGAGE. read more

I can't say enough about Vitek Mortgage. This was the quickest, most painless transaction I have ever completed on my home, bar none. I called Vitek to do a streamline refi and talked to Randy. Sarah was out on vacation. He gave me the info I needed and then called me right back with more information. He got the ball rolling the same day I called. When Sarah returned, it was a seamless transition and she was wonderful! Thanks to my good credit and their financial wizardry, I was able to close with almost nothing down and got a rock bottom rate. They were fast, thorough, efficient and very professional. This was my 7th real estate transaction over the years, and by far the easiest ever! Save yourself a headache dealing with the others. Call Vitek for your real estate needs! read more

Sarah Lee is a rockstar! ...and so is her assistant Laurie. You cannot pick your title company when it's a short sale and we had the worst of the lot. Sarah went the extra mile, hounded others when they fell short of expectations and made herself available when others would have let it go to voicemail. We closed in record time and jumped through hoops that would make an Australian Sheepdog blush. 5 stars all around. I will definitely be using her again when it comes time to buy another house. read more

Evelyne and the Vitek team, are amazing. I have worked with them financing my properties over the last 15 years and I have never found anyone better! They are not only the knowledgeable and professional experts you always hope to find, but they also care about their clients. They recognize how important the financing your home is to you personally. Truly a great group of people. And Evelyne Jamet is definitely our choice for best Mortgage broker in Sacramento. read more

When I think of the service that Evelyne at Viteck Mortgage group provided, one word comes to mind- AMAZING!!! I am a first-time home buyer and was nervous about picking a loan company/ bank because I had heard so many horror stories about unreturned calls and sales that took months to complete or that went sour. I thought it would be safe to buy my home through my credit union, but after their complete lack of customer service and unreturned calls, I wised up and called Viteck and I am glad that I did. I have literally never received better service from any company in my entire life. Evelyne was my loan originator and believe me, she is a Super Star. She returned all of my calls and emails within 30 minutes or less, provided excellent, fast, reliable service, and helped my short-sale (which usually takes months and months) go through in just 8 weeks from start to finish!! I highly recommend Viteck and Evelyne!! read more

Evelyne was absolutely fantastic throughout our entire deal. She was upfront and quick to answer all questions, she even reached out to the buyer to assure them of our commitment, and found us a bunch of recommended home owners insurance vendors, with quotes already in place! I couldn't speak more highly of Vitek and Evelyne. Thanks for everything! The Francos read more

Randy at the downtown Sacramento office is a refined professional. Why have backups when this man does it all.

My wife and I recently worked with Randy Randazzo on what should have been a very safe loan. Our down payment was more than 50% of the purchase price and we both have credit scores above 700 and monthly income several times the minimum payment. We were told we were approved, made an offer, and started the escrow process. 2 days before escrow was supposed to close I got a phone call from Randy telling me that the underwriter would not "sign off" on our loan because she had determined that I was a "contract employee" on fixed-term employment. Unfortunately, this is simply not true. I provided Randy with letters from my manager as well as an HR rep at my company - both stating that I am NOT on any kind of fixed-term assignment and that I am expected to have this job for many years in to the future. Both letters specifically stated that there is no end date on my employment and it is not expected to be short or fixed term in any way. Randy first blamed Vitek's underwriter, then directed me to Fannie May's mortgage guidelines. At no point was he able to explain to me WHY Vitek had decided that I am on fixed-term employment. If this was going to be a problem then why didn't anyone at Vitek notice until what was supposed to be the last week of escrow? I researched Fannie May's guidelines and they do have provisions for employees that are on fixed-term employment, but I had letters from multiple people at my company showing this did not apply to me! I guess Randy and his underwriter must know something about my job that neither my boss, nor corporate HR, nor myself know?? I wish I could say that our problems were just with Vitek's underwriter and not Randy, but unfortunately we had lots of little problems with him too. On at least 3 occasions he asked us for documents that we had already provided to him. These were not new paystubs or anything where the document would have changed over time - they were letters from relatives and employers, tax returns from years past, and other documents that we had already given him. This created the impression that he or his office staff were losing our documents and added a great deal of stress and frustration to an already difficult situation. We also felt that throughout the process Randy was constantly rushing us. There was always this pressure to close ASAP even though we kept telling him we were still negotiating with the sellers. Once we hit the 30 day mark he let us know that he normally closes his loans in less than 30 days and from there on every conversation I had with him he seemed exasperated that we weren't ready to close yet. He pushed us to sign the loan documents before the repairs the sellers were making were completed, then once the loan documents were signed he kept pressuring us to close within 30 days so we didn't have to re-sign. He seemed VERY concerned with avoiding anything that would cause extra work on his part and completely unconcerned with whether the repairs had been completed before closing escrow. Just to make sure they left a bad taste in our mouths, Vitek sent us a letter a couple weeks after we closed escrow letting us know they were going to sell our personal information to 3rd party companies we had not done business with "for marketing purposes" unless we mail them a letter specifically stating not to. How sleazy! read more

Pretty much verbatim what Dave reviewed about Sarah. She will communicate via phone, text, email and in person. She is readily available. If you're "high maintenance" with 100 questions, she accommodates. She is amazing. This was our first home, also a short sale, and Sarah kept things moving and completely took care of us. This woman will go the extra mile to make things happen. If you need home financing or even help with understanding your credit just to check on the possibility of even owning your own home, talk to her. She says, "It's not as hard as people think." I honestly don't know what else to write...she is that good. read more

Randy Randazzo (Downtown Sacramento, CA) in association with LYON Realty, actually made obtaining my home loan FUN and ENJOYABLE. The process was not the headache at all I expected it to be and I was pleasantly surprised by the options I had available to me. I was kept informed and on track and issues were explained to my satisfaction as they arose. Escrow closed quickly and went smoothly. It was a great relief since I was purchasing a home long distance ! THANKS VITEK. read more

We went through a short sale which could have been a challenge. But Sarah Lee is a rock star. She, working with our realtor for Lyon, made this a wonderful experience. She was friendly, open, quick with communication, giving suggestions when asked for things to do which would make it better. She gave us advise for how to spend out excrow account the most effectively. In addition, she is funny, and super sweet. Making working with her a pleasure. She was amazing on communication too, sometimes texting us later into the evenings to keep us informed. That is because we are a little high maintenance but she is handled it like a champ. I have recommended her repeatedly to several people. Heck, she was so great, we wanted to adopt her into our family. j/k read more

I'm very impressed with Sarah Lee. I had a short sale that changed servicer while in escrow. Once we got the green light we only had 7 days to close. Sarah rock and rolled and between her and the title company we got it closed. I would refer her to my future buyers. Thanks Sarah. read more

Sarah Lee & her assistant Laurie are wonderful!!!! They worked so hard to get our house to close in our time frame we had to work with. Both are amazing woman who we can not thank enough for all there hard work. They made us feel so comfortable while going threw the whole process of buying our first home. Plus they are just overall the sweetest people EVER!!! I wouldn't go to anybody else but Sarah Lee & Laurie. read more

Sarah Lee and her assistant Laurie are AMAZING! Before we even began looking at properties, my fiance and I met with Sarah multiple times to go over our plans to buy in the next year. She was extremely patient and willing to help even though it would be months before we began the process. We had a few minor set backs due to changes in govt regulations and Sarah was always on top of the changes and did her best to find us a solution. We have just received keys to our new home and couldn't be more thankful that we had Sarah and Laurie there every step of the way. Their patience, diligence, knowledge and professionalism really sets them apart and I know that I'll be referring all my friends and family to them, as well as using them on all future deals. Thank you SO much Sarah and Laurie. I couldn't have asked for more wonderful and thorough people to work with. My last loan was such a nightmare and this felt like a breeze :) read more

I was finally compelled to create a Yelp account because of Sarah Lee. After spending a good month researching and interviewing TONS of lenders, we finally made the call to Vitek and talked with Sarah Lee. She was able to answer ALL our questions upfront and with honesty! We immediately liked her better than any other lenders we had talked to, but we needed to make sure Vitek's rates and prices were competitive with some of the larger lenders. Not only was she able to match their rates, but get us slightly better ones! She also got us the tax credit we needed- which many banks/lenders were not qualified to do. My husband and I felt like she was our advocate through the whole process. She went above & beyond to answer all our questions and make sure everything was being processed in a timely manner. She made the short-sale process A LOT easier! read more

Sarah Lee is AMAZING! She was so helpful through what turned out to be a long and complicated home buying process--not her fault at all--in fact she made the loan process simple and efficient. She got my closing costs down as low as possible and didn't waste my time asking for documents multiple times. The whole team really went out of their way to meet me when and where I could to go over and sign documents and we closed in record time. I cannot say enough wonderful things about Sarah and my Vitek experience. read more

Robert Kuang helped us with our refinance & closed escrow in less than 20 days. Enough said!

Judy did an amazing job with the loan process for the entire transaction on the sale of my sister's house. She was on top of the paperwork from day one. It was so nice knowing that no matter what we were going to have everything that was needed completed and ready to go without confusion, frustration, or last minute panic. I highly recommend Judy and Vitek to anyone. Thanks Judy. You are amazing. Looking forward to working with you again. read more

We had been using another lender who didn't return our phone calls or emails- very frustrating. Our realtor told us to call Sarah Lee and we were really happy with the difference. Sarah even got us approved for down payment assistance that our previous lender never even told us about. We received great service and had more money in our pocket after we closed, so I would say we were pretty satisfied customers! read more

Worked with Gary Wright and he was amazing! Incredible service, just incredible. I know nothing about Vitek generally (I cold-called from a calendar ad), and I'm sure it depends on the individual loan officer, but you won't go wrong with Gary. read more

We decided to refinance our house and I turned to Yelp to find a loan officer. Well, let me tell you that I am always very skeptical about "five stars" reviews, so when I saw Vitek Midtown location reviews, it looked almost too good to be true, but we decided to give it a try anyway (I also read the reviews and most of them did not sound like they were written by another professional in the field but real people). Our agent was Ms. Sarah Lee, and we're very pleased (to say the least) with the service she provided. We closed in less than a month, and Ms. Lee has gone extra mile to help us get exactly what we were looking for. Ms. Lee was very upfront, always readily available, very clear about the process and what to expect - it was a breeze working with her. I would definitely recommend her to anyone who is looking to buy or refinance. read more

Call me crazy, but I switched my lender from USAA to Vitek 12 days before closing. It turned out to be the best decision throughout my purchase. Sarah Lee and the Vitek team were nothing short of incredible! Sarah was exceptionally patient with me and took the time to help me understand and feel comfortable with my purchase. There were many obstacles thrown my way. The advice Sarah offered me was catered to my personal situation, she never gave me blanket answers. She truly cares about meeting all the needs of her clients. I will always speak highly of the Vitek team and be forever grateful. read more

We made the trip from Rocklin to Mid Town Sac based on the reviews we read about Sarah Lee... and so glad we did. She was in constant communication and made this a very easy process. We can not say enough good things about Sarah and her assistant Laurie...they are GREAT!!! Would highly recommend Sarah Lee at Vitek, even if you're not local. read more

Evelyne Jamet was fantastic. She kept in constant communication with us throughout our buying process and helped make this a very stress free experience. Would highly recommend her services to anyone! read more

Randy Randazzo was just fantastic on this transaction. With email updates every step of the way to all parties involved it freed me up to accomplish other things with my time. He worked with the buyer on my short sale listing to provide a smooth transaction...one that closed ahead of schedule!! Thanks Randy! read more

I initially worked with Randy at VITEK and had a very pleasant experience. He was professional, checked in frequently, and was really quick to respond. I ended up going with a different broker (friend of a friend), which was no fault of Randy's or VITEK's, but I would still strongly recommend Randy. read more

We just finished purchasing a house after renting for six years and the process has definitely changed! We had bought a house in 2002 in Texas and the process of getting a loan was so easy. This time the whole loan process was challenging and I was so happy to have Randy Randazzo at VITEK as my mortgage loan originator. He was always accessible and very knowledgable if we had any questions or concerns. I would highly recommend Randy to anyone who needs a home loan. He is great! read more

We worked with Jason Russell and he was very helpful answering all questions (no matter how many times we asked) along the way. Explained all steps in depth and told us about possible surprises from underwriters. read more

he worst company ever! i had several offers on my home the first week it was on the market! i accepted an offer over asking price from a buyer that was getting a home loan through viteck. viteck sent out their appraiser who appraised my home $50k less than asking and purchase price! the appraiser clearly did not do his homework! for one the appraiser used comps that were over a year old, suppose to use comps no more than three months old!! if there are no comps appraiser is suppose to go to similar neighborhoods and homes to obtain comps! number 2, the appraiser certainly did not take the increase in the market nor the $100k worth of remodel work that was done on the house into account! this is a custom home neighborhood, prices ranging from $575k to over a million dollars! number 3, funny how we did not receive the appraisal until the final hour,....makes me think the appraiser through obtained number our of a hat! i did my own comps with similar homes and found these homes to be selling between $217 and $239 a square foot, not $207!!! i also used zillow only as a guide, knowing that zillow is usually too low! zillow estimated my home at $733!!! this is a hugh difference, $733k versus $650k???when my realtor contact vitek to discuss the appraisal he was told that vitek would not review the appraisal nor send a new appraiser out to home and that they would stand by the appraisal! therefore i will be obtaining an attorney and going to the state of california! read more

An amazing team. Evelyne and Dee were superb! We had up-to-the-minute updates all the way through our loan process including the final document signing and loan funding. Emails and phone messages were handled immediately. Dee researched a viable solution our special situation needs that saved us frustration, time and (ultimately) money. This company is excellent and professional. read more