Established in 1987, principals and twin brothers, Harry and Philip Duncan, have evolved VITEK today into a fully operational mortgage-banking firm. Headquartered in Sacramento, CA, with in-house processing, appraisal management, underwriting, doc drawing, and funding, VITEK originates home loans throughout California, Nevada, Oregon and Washington. In addition, we are FNMA, FHLMC, and GNMA seller-servicers, which allows more flexibility with less 'overlays' to make qualifying your borrowers easier.

We believe our borrower’s experience begins and ends with each of us. From operations to production, to accounting and marketing, we operate as one team, with one vision – opening doors to better the lives of our borrowers. To this end, we are focused on creating a remarkable experience for our clients and business partners. In fact, 97% of our borrowers surveyed would recommend us to their family and friends.*

VITEK is more than just a name to us; it defines who we are:















As a true family, we are committed to having each other’s backs – we do what we say we will do. Each day we bring our best to contribute in a constructive way as we work together to positively impact those we serve.

*Statistics taken from VITEK’s closing survey from July 2017 to June 2018.