Team VITEK will exceed expectations

The team at VITEK Mortgage Group will never use a cookie cutter template when it comes to their clients’ individual needs. Instead each client’s unique circumstances are taken into consideration before mortgage loan originators like Kathy Patsfield, Jennifer Zweck and Joyce Joy help them decide which course of action is right for them.

Patsfield has been in the mortgage industry for 26 years. She and her husband of 38 years owned Vision Mortgage in Cameron Park before consolidating with VITEK in 2010.

She said she loves working at VITEK, a place all of the team members said, “feels like family.” But no matter where she works, Patsfield’s favorite part of her job has always been “helping people get into their homes,” she said.

Passionate about people and just about everything she does, Patsfield said, “I give whatever I’m doing all I’ve got. I’m even known to hand out money to people on the streets!”

Patsfield is a devoted wife, a loving mother and a doting grandma to five grandchildren younger than the age of 9. When asked if her grandkids also live in the area, Kathy replied, “They’d better!” Even with a smile, the thought of her family not being near is unthinkable.

Patsfield has seen the ebbs and flow of the economy over the years and has seen how that influences the mortgage industry.  Yet she said, “Now is as good a time as ever to buy a home. Rates are at historic lows just to name one of the many reasons.”

Patsfield works at the Cameron Park branch of VITEK Mortgage Group located at 3420 Coach Drive, Suite 3. You can reach her by calling 530-363-0767.

Another member of the VITEK team is Jennifer Zweck, who brings two decades of real estate and lending experience to her customers, yet her education in the industry goes back even further. “I am third generation in the real estate industry,” the Shingle Springs and lifelong El Dorado County resident said. “My grandma sold new homes in Southern California and my dad is still a commercial broker here locally.”

When Zweck’s dad founded Westco Mortgage in 1991, she switched from selling real estate and got into the mortgage business. “I have been a full-time loan originator ever since,” she said.

“Now I love working for VITEK,” she added, “They’re accomplishing all of the goals my Dad and I had idealized for our own company — great systems, great people and all the tools we need to help people.”

When not working, happily married Zweck enjoys time outdoors and has a particular fondness for quarter horses, which she has bred and shown in large venues throughout her life.

Still, her work is also in her blood, and having her dad and grandma as professional mentors throughout her life has taught Zweck to ask her clients just the right questions at the right time — a skill she believes to be a vital part of the job. “The right questions help clients be sure they’re getting the mortgage that’s just right for them,” she said.

Zweck said the most rewarding transactions are the ones that to her are nothing short of witnessing the American Dream. “I love when buyers overcome hardship or just plain get over their fear of failure when it comes to achieving their dream of being homeowners,” she said.

Zweck also works at the VITEK office located at 3420 Coach Lane, Suite 3, in Cameron Park. Reach Jennifer by calling 530-672-0106.

Sacramento native Joyce Joy’s path to being in the mortgage business has been an unlikely one. Yet the experiences that path was dotted with have made her even better at her job.

Joy holds a bachelor’s degree in biochemistry from Oregon State University and she also earned a master’s degree in fishery. “My math and problem solving skills have helped me a lot in this industry,” she said. As have some other things.

More than 20 years ago Joy and her husband were literally signing the paperwork to join the Peace Corps when they learned she was pregnant, putting their plans on hold. Over the next few years Joy and her young family moved back to Sacramento and later Placerville, where they have lived since. She was a full-time mom to her two daughters as they grew, active in their schools and in the Placerville community.

But when a personal loan experience “didn’t go well,” Joy took action and got her real estate license. She eventually started working for VITEK and, like the others, credits the company with its close-knit community. “With about 150 employees, it feels like a family,” she said.

Joy has a message for young people still thinking of what careers to pursue. “Consider going into the mortgage business,” she said. “With all that’s gone on in the past few years, a lot less people are getting into it and a lot more people are retiring.  It’s a great time to be in the industry.”

She credits a flexible schedule and feeling like her own boss as perks of the job.  But what’s most important to Joy (as was said in different shapes and forms by all the ladies): “I love helping people realize their dreams.”

Joy works at the VITEK office located at 183 C Placerville Drive in Placerville. Reach her by calling 530-621-0222.