Your trust is my greatest asset, and I will offer you my experience, integrity, and knowledge to earn it. When you choose me as your lender, you will receive my 30-plus years of lending experience with every type of real estate financing. My extensive real estate background has allowed me to help countless clients, in a variety of real estate markets, to obtain the right home loan for their needs.
Before joining VITEK in 2010, I was the owner of Western Foothill Mortgage, a local lender in Placerville since 1989. VITEK's unique blend of core principles: Value, Integrity, Teamwork, Excellence, and Knowledge are the cornerstones of my personal work ethic and practices. With this combination, you can be assured of receiving superior service and personal care. In the process of getting your loan approved today, I want to ensure you have considered all options in picking the best loan for your needs and I am dedicated to helping you achieve your financing goals and exceeding your expectations.
I have a bachelor's degree in finance from San Diego State University with a concentration in Real Estate. Additionally, I have been a Realtor, Contractor, Investment Counselor and College Instructor. I have been happily married to my wife, Cindy, for 29 years and we have three children and six grandchildren; all who help provide balance and fulfillment to my life. I have been a resident of El Dorado County since 1975 and believe in staying active throughout all facets of our community. When I am not securing my clients’ home loans, you will probably find me either in Maui, as my wife and I travel there often, or in the Sierra Mountains. In my leisure I also enjoy golfing, hiking, backpacking and spending quality time with my family. I look forward to serving your lending needs.
These 10 loan dos and dont's are critical to follow to help you ensure a smooth loan process.