Personalized Mortgage Solutions for Your Individual Needs.
Welcome to the official site of Rick R. Johnson of Village Financial Group, Inc. We are a Botique full-service Mortgage Broker, and Real Estate Broker. We specialize in finding you the best Mortgage for your individual needs and delivering that Mortgage at the lowest possible rates and fees. We mainly serve El Dorado and Sacramento County, but, we can help anyone in California. Whether you are Buying a home, Selling a home, or Refinancing a home, or looking for a Reverse Mortgage, you have come to the right place. We can help you realize your dream of home ownership or save you money when getting your new, lower, monthly payment. In terms of Purchase Loan programs, here are a few options we offer:

  • Conventional
  • FHA 
  • VA
  • USDA
  • HomePath
  • Jumbo
  • Nationwide High Balance to $679,650 loan amount in any California County.
  • Reverse Mortgage including Jumbo Reverse Purchases
  • Manufactured Home Financing
  • Private Money for those deals that just do not fit traditionl guidelines and much more.

Refinancing? We can help you with that, too!

We offer a wide range of refinancing options, designed to best meet the needs of our borrowers. If you need cash out to pay off some bills, take a trip or for school costs, we can help. If you want to get a better interest rate, shorter term, pay your loan off quicker, we can help.

We offer the following Refinancing Programs:

  • FHA Streamline
  • FHA Cash Out
  • FHA 203k Renovation Loan
  • VA Streamline
  • VA Cash Out
  • VA Renovation Loan
  • USDA Streamline
  • Conventional
  • HARP
  • Jumbo
  • Nationwide High Balance to $679,650 for any County in California.,
  • Reverse Mortgage including Jumbo Reverse
Private Money for those deals that just do not fit traditional guidelines.

What makes Village Financial Group, Inc. unique is that not only do we offer the best rates and fees to borrowers with great credit, we also offer the following niche programs as well:
    Self Employed Borrowers,
    Bank Statement program down to 540 FICO,
    Less than perfect credit, first time home buyer,
    VA Construction Loan,
    FHA Construction Loan,
    one day out of bankruptcy,
    one day out of foreclosure,
    FHA and VA down to 500 FICO,
    Divorce buyout, 
    Private Money and much much more.



Call Rick R. Johnson at Village Financial Group, Inc. today to discuss your mortgage loan options, and find out which loan program will best suit your needs. Call 916-367-3738 or apply online.