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    Eric Teply

    5.0 (49 reviews)
    Open 9:30 am - 12:00 pm

    Services - Eric Teply

    Mortgage services

    Mortgage refinancing

    Home purchase

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    Reviews With Photos

    Our forever home made possible by @allanshomes and @ericteply
    Krys E.

    Going through the home buying process is a "trip" to say the least. Im not going to lie, It was full of emotion, stressful and unnerving at times. BUT my Realtor/Mortgage Team made it bearable. Our Realtor Allan Sanchez @Allanshomes paired with Mortgage Advisor Eric Teply smoothed out the bumps, kept us 100% "in the know" and helped us make a dream become reality! Allan truly went above and beyond, and Eric was equally amazing! And they'll do the same for you. If you're in the market to buy, sell, or both, you have to give my guys a shot. You will NOT be disappointed. Checkout their IG @Allanshomes @Ericteply

    First Christmas in our new home...

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    2 years ago

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    5 years ago

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    Eric T.

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    4 years ago

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    4 years ago

    Absolutely amazing! as a first time home buyer, Eric made it easy to understand and less stressful.

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    6 years ago

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    7 years ago

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    Eric T.

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    7 years ago

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    7 years ago

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    5 years ago

    In a time when home buying was a nightmare, Eric was one of the lights. He helped usher our loan through and got us a great rate.

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    5 years ago

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    6 years ago

    Purchased my first home with the help of Eric. Friendly, knowledgeable & honest! I highly recommend him!

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    9 years ago

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    7 years ago

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    Page 1 of 2

    Ask the Community - Eric Teply

    Review Highlights - Eric Teply

    Without going into the details my refinance was not a typical one as it involved a divorce settlement etc.

    Mentioned in 4 reviews

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    Guild Mortgage - Our lobby.

    Guild Mortgage

    (84 reviews)

    I couldn't be more grateful to have found Marlena and her team! I recently completed a cash out…read morerefinance with them, and they made the entire experience a breeze. From the very beginning I felt like Marlena was a true partner who had my back. She is beyond organized, an excellent communicator, and super efficient (seriously, the woman gets sh*t DONE!). Not once during the process did I feel out of the loop. Whenever I lacked understanding, she educated me in a way that was empowering so I could make decisions with full confidence. I absolutely recommend Marlena and the Olson Team! 10/10!

    With the recent increases in rent (fun fact: Sacramento has the third-highest rent increase in the…read moreU.S.) paired with soaring home prices, my wife and I were stuck in a tough position. With the possibility of another recession approaching in the upcoming years, we could continue to rent and pray that home prices eventually decline. However, we literally felt like we were throwing money away as our apartment complex continued to increase rent in order to remain competitive with neighboring complexes. We decided to take a leap of faith and see what the housing market could offer us. Per recommendation by our Realtor Mrs. Courtney Ellison, we scheduled an appointment with Mortgage Loan Originator Mrs. Shannon Walton at VITEK Mortgage group. Leading up to our initial appointment with Shannon, Shannon sent us an email detailing all of the items that we would need for our pre-approval. When we arrived at the VITEK office, Shannon immediately welcomed us into her office. Before diving into the home loan process, Shannon inquired about the areas that we would prefer to live in, and our ideal mortgage payment. Next, she patiently walked us through the home loan process from beginning to end. After hearing the process and having all of our questions answered, we decided to move forward with the pre-approval. Once we received approval, Shannon began explaining the various loan options that we could opt for. She patiently played the "fun" numbers game that would eventually assist us in determining our monthly mortgage payment (home amount, down payment, loan longevity, interest rate). Shannon would eventually arrive at numbers that satisfied my wife and I. That evening we left Shannon's office confident that we would find a home that we could comfortably (keyword) afford. Once our amazing Realtor was able to assist us in finding our home, the loan process kicked into overdrive. From beginning to end, Shannon did a great job of communicating every intricate detail of the loan process (there were no "surprises" at the end of the process). Although we did not physically see Shannon until we had to meet in person for the loan signing, Shannon kept in touch with us via email and quickly responded to any questions that we had. Aside from her home loan expertise, Shannon was a pleasure to work with. She is very relatable, professional, understanding, and not once did we feel like we were under any pressure to conduct business with her. Most importantly, she alleviated the new homebuyer stress and anxiety that we were experiencing. We highly recommend Shannon for your home loan needs....thank you Shannon!

    VITEK Mortgage Group

    VITEK Mortgage Group

    (36 reviews)

    Midtown

    Unfortunately the only positive experience that I had with Vitek was that the staff was extremely…read morefriendly. 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.

    This review is specifically for Randy Randazzo, a Vitek loan officer. Randy took the time to sit…read moredown 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.

    Eric Teply - mortgagebrokers - Updated May 2026

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