Finance Your Dreams

Discover the path to your dream home with Village Financial Group.
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1099
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Let’s Chat

Start your journey today, feel free to reach out to us for personalized mortgage guidance and assistance.

Do you like to speak directly?

Call Us On: 916-367-3738 Or Email Us.

About Village Financial Group

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Village Financial Group, nestled in the serene landscape of El Dorado Hills, California, at 1212 Suncast Lane, Suite 1, stands as a beacon of trust and excellence in mortgage solutions. Founded with the vision of simplifying home buying, Our group is dedicated to offering individualized mortgage services catered to the particular requirements of every client. Under the guidance of our esteemed client, Rick R. Johnson, we've cultivated a culture that prioritizes client satisfaction above all, ensuring that your journey is seamless and stress-free from the first consultation to the closing of your dream home.

Our expertise extends beyond mere transactions; we see every client engagement as a chance to establish enduring connections. At Village Financial Group, we understand that securing a mortgage is one of the most significant financial decisions you will make. Therefore, we leverage our comprehensive knowledge of the mortgage industry, along with cutting-edge technology, to offer solutions that are not only innovative but also in perfect alignment with your financial goals. Whether you're a first-time homebuyer, looking to refinance, or exploring investment opportunities, our team is here to guide you every step of the way, making your dreams of homeownership a reality.

We are experienced, reliable and professional.

We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs. So whether you're looking to refinance your present home or in the market to purchase a new home, we're with you every step of the way. You'll receive expert guidance on moving into your dream home or keeping more money in your pocket.

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Our Experience

The Advantages of Working with Us

Personalized Approach

We specialize in crafting mortgage solutions that are as unique as your dreams.

Client-First Philosophy

Our culture is deeply rooted in ensuring client satisfaction.

Technological Innovation

We offer a mortgage experience that is efficient, transparent, and tailored to the modern age.

Comprehensive Guidance

Our team is equipped to provide you with the knowledge and support needed.

Mortgage Loans That Fit Your Life
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We offer home loans including fixed and adjustable rate options, FHA, VA, USDA mortgages and more.

Loan Program
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
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Mortgage Basics
We are committed to providing a seamless mortgage experience, from the time you contact us until the time we close on your home.

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Real Estate
If you are looking to buy, Rick can not only help you find the right house, but, can also help you get the best possible financing for you at the lowest rate and fees.


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MORTGAGE PAYMENT CALCULATOR

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Insurance Coverage

Home Insurance Coverage
Renters Insurance Coverage
Auto Insurance Coverage
Business Owner Coverage
Key Person Life Coverage
Cyber Insurance Coverage

Home Insurance Coverage

Risk Factors

You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Solution

If your possessions are stolen, damaged or destroyed in an insured loss, your home insurance coverage can help replace them, up to the policy’s stated limits.

Renters Insurance Coverage

Risk Factors

On an especially gusty day, strong winds push a small potted plant off your apartment’s balcony and onto a neighbour who is passing below. He is seriously bruised, and decides to sue.

Solution

Renters liability coverage under renters insurance may help if you’re responsible for an injury to someone outside your household.

Auto Insurance Coverage

Risk Factors

You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.

Solution

Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Business Owner Coverage

Risk Factors

A business owner would require to take various types of insurance coverage to cover each risk. This can cost them more if they take it separately.

Solution

A business owner policy packages all the required coverage a business owner would need. BOPs often include business interruption, property, vehicle, liability, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage.

Key Person Life Coverage

Risk Factors

A company fails to retain its clients or uphold its reputation based on a particular employee’s skills or name (like a partner at a law firm).

Solution

Key Person Life insurance can be taken to retain clients and uphold their reputation.

Cyber Insurance Coverage

Risk Factors

Your office system got hacked, and personally identifiable information was stolen. So you had to hire a public relations firm to restore your brand image.

Solution

Cyber Insurance would cover any loss and pay for hiring a public relations firm.
Our Testimonials

What Our Customers Are Talking
About Our Services

  • I have known Rick for the better part of 15 years. He is an absolute professional, honest to a fault, and incredibly knowledgeable. His client focused approach has helped hundreds of families, over the years, to buy, sell and/or finance the home of their dreams. You would do well to align yourself with Rick as I have!
    -Steve Kellerman
    Rick did an absolutely outstanding job on my original purchase and finance in 2017. Then he reached out to me December of 2021 to refinance at the absolutely lowest rate in existence and helped get rid of the PMI insurance. RICK!!!!!! Your a rockstar, our family thanks you.
    -Jeffery Johnson

  • I would highly recommend Spencer and Alexa! They helped us to secure a loan and made the entire process effortless. They kept us in the loop throughout the entire process, and never hesitated to answer our questions. They were extremely pleasant to work. We highly recommend them!
    -Kim Truong
    When looking for a mortgage company - we thought simplicity and helpfulness first. First Cal has every type of loan and product available to get your purchase or refinance done, FAST!
    -Matt Miles


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Contact Village Financial Group

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How can we help you?

Quick Contact

Rick@RJ4Loans.com

Call us Now

916-367-3738

Opening Hours

Monday – Friday : 9 am to 5 pm

Our Location

1212 Suncast Lane, Suite 1
El Dorado Hills, Ca. 95762
At Village Financial Group, we take pride in our commitment to excellence and transparency in mortgage services. We are pleased to announce that we are fully licensed in El Dorado Hills, Ca, ensuring that our clients receive the highest standards of professionalism and expertise.

Village Financial Group

Many years of dedicated service have allowed us to play a crucial role in turning home aspirations into reality, always with a keen eye on keeping it within our customers' financial reach.
916-367-3738Rick@RJ4Loans.com
Fax: 916-295-1451
1212 Suncast Lane, Suite 1
El Dorado Hills, Ca. 95762
NMLS #360614
CABRE #01711076
NMLS Consumer Access
Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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Our commitment is to provide unparalleled customer service and exceptional value.
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