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It's a great time to purchase or refinance, so let us walk you through the whole process. It's easy!

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We have tons of loan programs available to fit just about every need.
As an Independent Mortgage Broker, we have access to just about every loan program on the market and can deliver at the lowest rate and fee structure. Whether you are a first time home buyer, a move up home buyer, a luxury home buyer, or are looking to refinance or a Reverse Mortgage. I am here to help.

I am a seasoned, full time professional with many  years of experience, dedicated to helping my clients. Our average client saves over $8,000 over going with a traditional mortgage lender.

We can shop the market for you in real time in a way that is impossible for you to do. This assures that you get the lowest rate available. I also subscribe to a ton of expensive data to make sure we lock in your rate at just the right time. With huge market swings, timing can be key. On one of my Jumbo VA loans, based on this information I was able to lock at the optimal time and I saved the buyer $300 per month by locking when I suggested.

We are home loan experts dedicated to making sure you receive the best service at the lowest cost. You can also count on me for continual communication so that you know exactly what is going on with your loan file from application to closing.

As I have gotten older, I have had a lot of friends and family pass away. I now have a special passion to help those 55 and older who are going through a major life event. If you have had a spouse die, experienced a serious illness, had a job loss, business failure,  or significant reduction in income, are going through a divorce, have one of the parners needing to move into assisted living, I have solutions to help. I have programs and options that you do not know about. I am here to serve. Call me.


VA Loans

FHA Loans
USDA Loans
Conventional Financing



Reverse Mortgages including Reverse Purchase Mortgage

Retirement Loan for those 55 and older

Home Equity Loan

Fixed rates and Adjustable rates and Interest Only.

Private Money loans for those transactions that just do not fit traditional guidelines. 

And Much more. I am a creative problem solver with a desire to help you get the best loan for your individual needs. Not what makes me the most money.

My average client saves over $8,000 compared to traditional lenders.

Have any questions about us? Don't hesitate to contact us

Hi Rick R. Johnson here. Welcome to my personal website. Take your time and look around, there is a ton of great free content here. Please feel free to return often. I am here to help. 

If you are looking for one of the other Village staff members, please call the office at 916-933-1414.

We know that each client has specific needs. No two clients are exactly alike. I strive to meet your specific needs with a wide array of mortgage products, loan programs, loan terms, and variety of investors/lenders to meet just about every possible need.

Whether you have perfect credit and want the lowest possible interest rate, or if you want to pay off your home as quickly as possible, or want the lowest possible monthly payment or lowest possible cash out of pocket to close..….No Problem. No judgement, I am here to help you do what you want to do.

I also have a free to you, mobile app that you can download onto your smart phone to calculate your own monthly payments, get mortgage information, fill out a secure credit application, and scan in the needed documentation from your smart phone. Just ask.

My focus is in helping borrowers in Sacramento, El Dorado, and Placer Counties,

But, with technology today, I can and have done loans anywhere in the State of California. We are only licensed in California but if you are needing help outside of California, just ask, I can provide you with a great referral from my extensive professional network.
People tell me that I am easy to talk to and inspire trust. Because of this, I have a very diverse client base. I am active in my church so I have done many loans for many Pastors and Church Staff, I have done loans for clients with a very modest incomes, clients and from all nationalities and all walks of life.  I have helped many seniors, self employed borrowers, investors, all the way up to the super wealthy. Some time ago, I had two back to back appointments that really showcase this, the first made $13.00 per hour and was buying a very modest first home, the next client made $178,000 per month and was buying a luxury home with swimming pool and tennis courts. Loans big and small, I do them all. I am here to help you.

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