Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide the best home loans to our clients for their needs, while providing them with the lowest interest rates and closing costs possible.

Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

Below is some information on me.

                                           

Rick R. Johnson
Mortgage Broker/Originator/Solutions Expert
Real Estate Professional

Village Financial Group, Inc.         
1212 Suncast Lane Suite 1
El Dorado Hills, Ca. 95762

Cell 916-367-3738
Rick@RJ4Loans.com
NMLS#360614 BRE #01711076  

Secure eFax 916-295-1451

Rick R. Johnson has been serving the financial needs of his customers for over 25 years.  Rick is a Nationally Licensed Mortgage Loan Originator plus holds a CA BRE Real Estate Sales License. His education and lending experience allows Rick to find the right loan for your exact needs. One loan program does not fit all needs or situations.
Rick’s Lending Specialties include:

  • Purchase Money Loans for borrowers with great credit looking for the best rate
  • Self Employed Borrowers
  • Refinancing Loans- rate and term, cash out, or Reverse Mortgage.
  • First Time Home Buyers including Down Payment Assistance and Tax Credit Programs.
  • Low or No downpayment programs.
  • FHA Loans
  • FHA Energy Efficient Mortgages
  • FHA Streamline Refinance with no appraisal
  • Fannie Mae HomePath including their Renovation Loan Program for Investors or Owners
  • VA Purchase and Refi Loans including the minimal doc VA IRRRL refi
  • Conventional Loans
  • USDA Loans
  • CalHFA First Time Buyer Programs
  • NHF First Time Buyer Programs including Mortgage Credit Certificate program
  • Move Up Home Buyers
  • 2nd Homes
  • Investment Properties
  • Jumbo Loans up to $4,500,000 loan balance
  • Reverse Mortgages including Reverse Mortgage Purchases
  • School Teacher Loans
  • Law Enforcement Loans
  • Manufactured Homes on a permanent foundation on land.
  • Property flips
  • Private Money Loans for those borrowers that just don’t fit traditional guidelines.  For borrowers recovering from a major life event like Bankruptcy, Foreclosure, Short Sale, Divorce or death of a spouse and have credit damage. Rick can help.
  • About 25% of the loans that I close are ones that other lenders could not do.

Rick is committed to listening carefully to your financial needs and goals.  He will work diligently to find the right loan program that fits your exact situation.  Whether you are “house rich” and “cash poor” and need a Reverse Mortgage or are refinancing to lower your interest rate, or pull cash out for that fix up project or to help put kids through college.

Even if you owe way more on your home than it is worth there are several Government backed programs that may allow Rick to help.

If you are refinancing your existing home, purchasing your first home, an investment property, a second home, a fixer upper, or buying the home of your dreams, Rick is here to help.
About Rick

Originally from Minnesota, Rick grew up with a love for the outdoors and everything to do with water. He enjoys fishing, swimming, skin diving, canoeing, kayaking, hiking, riding his mountain bike or tandem, and especially playing golf.

Rick and his family have lived in the Sacramento, Carmichael, Fair Oaks, Folsom and El Dorado County region since 1976.  Rick is blessed to be married to his best friend Diane, the love of his life for over 45 years. They have three adult children, two wonderful daughter in laws, and nine wonderful grandchildren.

Rick and his wife Diane are very active in their church.  They enjoy singing in the choir, the worship team, have taught youth and adult classes like Dave Ramsey’s Financial Peace University, marriage mentoring, they have helped out in the food closet, and have hosted fellowship groups in their home. Rick is a currently serving on the Board of Directors for Trinity Life Center as a Corporate Officer. He has also served on the Men’s Ministry Planning Board, Finance Team and more.

Rick has been voted Best of the Best in Mortgage Lending for several years and Five Star Certified Mortgage Professional several years running as well as being listed in Who’s Who for several years.

To receive the Mortgage or Real Estate services you deserve, or help with your Mortgage or Real Estate questions, please contact Rick R. Johnson today at 916-367-3738 or 530-426-5049. Connect with me on the web at LinkedIn, Facebook, Twitter, or any other social media platform. I think I have them all.

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