A great low-down payment option that does not require upfront mortgage insurance and can be combined with many down payment assistance programs.
A great low-down payment option with low FICO score requirements, which can be combined with many down payment assistance programs.
Whether you’re looking to purchase or refinance, we have FHA, VA, and conventional financing for manufactured homes.
Up to 100% financing on homes in rural areas. Best of all, it’s not just for first-time home buyers.
There are several state, county, and city specific down payment assistance programs available. These programs help home buyers purchase a home with little to no out of pocket money. Most programs have restrictions, such as maximum income limits, maximum home purchase price, and whether you're a first-time home buyer, so contact us to learn more.
An MCC provides eligible home buyers with a Federal Income Tax Credit based on a percentage of the mortgage interest paid each year.
A down payment assistance program to help low-to-moderate income individuals and families purchase a home. Best of all, it does not require repayment as long as the home is not sold or refinanced in the first three years.
Add up to 100% of the energy savings improvement costs into your FHA or VA home loan.
Two great FHA loan options for purchase or refinance that allow basic to substantial repairs, updates, and/or renovations.
Allows borrowers to finance repairs and home improvements into a single purchase or refinance home loan.
Allows you to use the equity in the home you have listed for sale for the down payment on a new home.
CalPERS, LRS, or JRS members can utilize their membership benefit to purchase or refinance a home through VITEK’s exclusive California Public Employees’ Retirement Mortgage (CalPERM) home loan program.
If your home was severely damaged or destroyed by a natural disaster, you may qualify to purchase a new home or rebuild your damaged home with no down payment required.
Use a HELOC second loan to purchase a home with a down payment as low as 10% and eliminate paying monthly mortgage insurance.
Low down payment loan program that allows borrowers to purchase a home using income from non-occupant borrowers and rental space on the property.
With Lender Paid MI, you can choose to have VITEK pay a lump sum up front, offset by a slightly higher interest rate on your loan, and avoid paying a monthly mortgage insurance premium.