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Patelco Home Loans

At Patelco, we are dedicated to assisting you with all of your home financing needs. Whether you are financing a new home, refinancing, or obtaining a line of credit, we provide quick approvals, competitive rates, and speedy closings. We offer a variety of options designed to fit almost any situation, including Conforming and Jumbo programs with fixed or adjustable rates. Our online application takes just minutes to start, so you can begin the process right away. Click on 'Apply now' to get started!

Patelco also offers a variety of Government insured loan programs, including FHA, VA, and USDA. Government insured loans can be good options for borrowers who have less money for a down payment, or have had trouble qualifying for a traditional mortgage. Please contact me if you'd like to learn more about these additional options.

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The quotes below are only a purchase sample of the wide variety of loan programs and rates available. Please visit the Rates & Services section of our site and use Check Rates to view a variety of loan programs and rates applicable to your financing needs.


Meet Your Loan Officer

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Joseph Vitullo

Patelco Home Loan Consultant

NMLS ID #201177
Phone:  916.208.1878
Fax:  925.847.1925
Email:  joseph.vitullo@patelco.org
Address:  3 Park Place, 4th Floor
  Dublin, CA 94568


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Working to make your home ownership dream come true." I work to provide friendly and professional mortgage services with great care. My experience analyzing complex credit, income and financial data help resolve problems that come up throughout the loan process. Continued communication and follow up will help you stay informed and connected. I have detailed knowledge of Conforming, Jumbo and First-Time Homebuyer programs. I am a US Army veteran, married with three children, and an outdoor enthusiast. I enjoy golfing and camping. I believe the best compliment I can receive for my work, is a referral of a family member or friend. My goal is to provide you with quick loan closings and peace of mind.


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