Rick Johnson

Village Financial Group Office

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

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 California Bureau of Real Estate 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 is currently working on his Certified Mortgage Planner designation. Rick’s Lending Specialties include;

• Self Employed Borrowers
• Private Money Loans for those deals that just don’t fit anywhere else.
• Purchase Money Loans
• Refinancing Loans- including the HARP program for those owing more than the current market value
• First Time Home Buyers including Down Payment Assistance and Tax Credit Programs.
• Low or No downpayment programs.
• FHA Loans
• FHA 203k Rehabilitation Loans including the Streamlined K
• FHA Energy Efficient Mortgages
• FHA Streamline Refinance with no appraisal
• Fannie Mae HomePath including their Renovation Loan Program for Investors or Owners
• Streamline Refinance
• VA Purchase and Refi Loans
• Conventional Loans
• USDA Loans
• CalHFA First Time Buyer Programs
• NHF First Time Buyer Programs including Mortgage Credit Certificate program
• Community First Time Home Buyers
• 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
• 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.
• And much more. 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, 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 has been blessed to be married to his best friend and love of his life for over 40 years. He has three adult children, all married, and seven grandchildren.

Rick and his wife Diane are very active in their church. They enjoy singing in the choir, have taught youth and adult classes, marriage mentoring, helped out in the food closet, taught money management classes 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.

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.