My partner and I are first time home buyers and were fortunate enough to work with Stacy Kelly at Vitek. I can't even imagine going through this process without her! She was available by phone and email whenever we had questions and was always kind, respectful, and personable. From the very first time I called her she was open, warm, and generous with her time. She answered the most basic of questions without making me feel silly for not knowing something. She was always reassuring and explained things in a way that made sense to a lay person without dumbing it down. She made me feel empowered in this very intimidating process! What made Stacy's service so special though, was that she really seemed invested in the journey that my partner and I were on. We had found our dream home and were excited and nervous and hopeful. Although Stacy likely deals with all kinds of people all day long, she made us feel like we were her only clients. She celebrated the victories along the way, empathized with our concerns and anxieties, and kept cheering us on as we started to get worn down by the red tape involved in buying a home. Her cheerful, encouraging emails made a huge difference. And when she was there at the signing it felt like we had accomplished something together. I hadn't intended to build a relationship with my loan officer but Stacy made that happen and it really made all the difference. Getting a first home loan is scary and overwhelming. Working with someone who you know has got your back and who wants to make the experience smooth and pleasant is such an incredible gift. We feel so fortunate to be living in our dream home. We owe Stacy a huge thank you for all her support and hard work! Even after everything has closed she has been available for questions and support. She is someone we trust and who we know we can count on in the long run. read more

By far the BEST team to work with. Cheryl Foley, Jenna Madrigal and Chris Barrow are incredible. As a first time home buyer i was clueless to the process i was getting into when i started looking for a home. From the very start Cheryl spend time with me to help me understand the process, what they would need from me, and what to expect - she set me up for pure success. Within days of putting my offer on my new home, Cheryl and her team had everything ready to roll for my loan. I feel like they must have little elves working in their office in the wee hours of the night to help them work magic and get things done insanely quick. Less than a month ago i made my offer on my home... and today i got the keys. I would definitely recommend Cheryl and the team at Vitek to anyone who is in the process or thinking of buying a home. I don't think this experience could have been any better. Thank you Cheryl, Jenna and Chris! You all were so wonderful to work with! read more

The entire experience from the first day until the last day with Cheryl and Katie was efficient, smooth, and even enjoyable. Every single phone call, text, or email was dealt with promptly. They know their business and are professional yet personable and kind. They genuinely CARE about the client. We were going to go with Bank of America (am I allowed to say that?) because we already bank there, but after many unanswered calls when we needed immediate replies, our real estate agent Leslie Julian with Lyon realty (next door to Guild Mortgage) suggested we contact Guild. We are soooooo glad we did. Everything was just seamless. Thank you ladies, very much, for making a stressful and busy time a lot easier! read more

The service my customers and I received for their purchase transaction could not have been better! Cheryl, was professional, warm and with pleasant sense of humor made the closing signing process fun!. Our closing was timely, approval within the conditional time frame and no fire drills for docs or closing. I recommend Cheryl and VITEK Mortgage to any buyer or realtor. If you are a Seller or Seller's agent checking stats... rest assured. You can trust and believe in communication from Cheryl and VITEK. You will also be pleasantly surprised at the transaction updates sent out during the escrow / loan milestone timing. Thank you once again, Cheryl. - Looking forward to our next transaction. -Ingrid read more

I was having a very frustrating and difficult experience with another local mortgage broker. Feeling confused, I reached out to Cheryl Foley as I was aware of Vitek and liked what minimal exposure I had to them in the past. Cheryl is incredibly knowledgeable and explained the mortgage process with amazing clarity. She let me know all my options for terms of the loan and gave clear solid advice. She was available for any questions I had in a timely manner and kept the process moving along as efficiently as possible. I am fortunate to have found her... she added a level of comfort and professionalism to the mortgage process that was beyond expectation. read more

Cheryl Foley and her team are the best and I would definitely recommend them for your loan and refinance needs. Very professional, very thorough and very on top of it with no delays, despite Covid and a very busy home loan market. "If you are looking for a broker that is straight forward, trustworthy, and will explain the process while being with you every step of the way...give Cheryl and her team a call!" I copied that from another review because it is true and well said! Cheryl has many years of experience and is very customer satisfaction focused. Thank you so much for making the loan process not stressful. read more

Cheryl Foley and team at Vitek did a phenomenal job for me on my new home purchase in Roseville. I was very impressed with their service in the past when I had refinanced my home in Grass Valley some years ago so when we decided to move and buy down the hill, Cheryl was the first call I made. She and her team were extremely thorough throughout the entire process. Meticulous in explaining the details and setting concrete expectations. Her communication was excellent and they nailed every deadline and estimated all closing costs accurately. Cheryl is a real pro and I would recommend her to anyone. read more

I can't say enough about Cheryl Foley and her team at Vitek Mortgage Group in Auburn, Cheryl and her assistance Jenna are always keep me inform throughout the loan process. Cheryl is a very experience, reliable, and hard working Loan Officer I know. Recently I just gone through another loan for purchase of my home with Cheryl and it took less than 28 days (04/23-05/21) to complete the loan. As long as Cheryl is working for Vitek I will always trust Cheryl to be my loan adviser if you are looking for someone you can trust and experienced in the loan business call Cheryl. read more

Cheryl Foley and her TeamFoley staff in Auburn, CA, made this latest refinance experience a walk in the park. There was never a question of what documents were needed on my part from the beginning, which made the completion very predictable. And, Cheryl's relationship with Annette Ricci, First American Title officer, facilitated the signing of documents at my home in this Covid-19 atmosphere. Through the process everyone was working remotely and it all worked as advertised. Job well done, everyone! John M Kennedy Auburn, CA read more

Buying a new home can be a stressful ordeal, but if you get a guy like Robert Wallace on your side the process is easier, faster and actually enjoyable. Robert is fast and straight forward and he goes out of his way to help his clients while keeping them in the loop during the process. There is no doubt in my mind that he enjoys what he does and takes pride in his hard work. The qualities that he possesses are hard to come by these days and very encouraging. I will always recommend him to anyone buying a home! read more

Vitek helped us with our mortgage loan and made the process very smooth for us. I especially liked that they kept us updated via emails & let us know what stage we were at along the way. Cheryl & Jenna were very efficient and you can tell they know their business. They know how to get things done and we closed in only about a month. Another thing that was HUGE - they worked for the benefit of US and in a timely manner. They were a delight to work with & I highly recommend them. read more

We choose Viteck and Cheryl Foley in particular to refinance with a VA loan, initially because Cheryl was very knowledgeable and keep current with VA requirements. She and Viteck continued to perform masterfully and professionally throughout the refinance process finding a loan that met our needs, keeping us informed, answering our questions and making sure the process continued to move efficiently with minimal delay. We highly recommend the services of Cheryl and Vitek. read more

This Vitek team RocKS**** We have had 2 successful closes this week with Cheryl Foley,& Jenna We have had such great service from both of them in some of the most difficult transactions. Look forward to doing many more transactions with them in the future. Both were first time homebuyers and extremely excited about the close and how quickly it happened.......:))))) Jill Heller, Mariko Barbee & Chris Shafer all with Lyon Real Estate in Auburn. read more

I couldn't have been more satisfied, if there were 10 stars i would have giving it to them. They were in constant contact with me and my wife through out the entire process. I'm also in sales and i had to take some notes on how to keep customers happy. Nothing better than someone being honest and upfront with EVERYTHING...! I will be referring everybody i know in the market for a loan to them. Great Job Thanks, The Whitlock's read more

Robert knows his stuff and is a great communicator! Have used him personally and professionally. Whether this is your first loan or your fiftieth you will find him to be knowledgeable about all loan products on the market and what works best for you. If you are navigating back into the market after a short sale talk to him! He will counsel you on the process of repairing your credit and buying your own home. read more

Cheryl Foley provided me the kind of service you only dream about. I had a refi in two intertwined locations, Auburn and LA, very complicated situations that no bank would tackle. She worked weekends and evenings to solve the coordination and refi problems and lock in the best possible rates. Then she followed up every step until both closings were accomplished. Great office staff also. read more

Cheryl, Greg and her whole team were amazing start to finish. The process was painless considering both my husband and I are self-employed and we have a foreclosure in our past. We are so excited to be homeowners again! Thanks Team Foley! If you need a mortgage, go see Team Foley, even if you have some challenges, they can help you overcome and achieve your dream of home ownership! read more

Viktek Mortgage Group made my refinance so easy and stress free. If you are looking to refinance or need to get a mortgage, I recommend giving Vitek Mortgage Group a call! Cheryl Foley made what could have been very stressful, very easy process. I always knew what was happening from the beginning to the end of the loan process. I would use Vitek Mortgage again. Thank you Cheryl! read more

I worked with Robert Wallace from Vitek mortgage and he was great! This was my husband and mine's first buying experience and it was so smooth that everyone I new was impressed. He always kept me in the loop and was ready to answer any question I had! It was a wonderful experience and we love our new home!! I recommend him to anyone looking for a new home!! read more