Loan Programs

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.

Services we offer our clients!

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.

Loan Program Options

FHA Loan
An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
USDA Loan
A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.


Jumbo Loan
A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
First-Time 
Homebuyer
To start, we offer a free pre-qualification service before you begin searching for your new home. Additionally, through our partner networks, we can connect you with a reliable real estate agent.
Rehab 
Loan
Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!


Low Down 
Payment
Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.


Investment property loans
Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
Refinance
When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.

Reverse Mortgage
A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. 

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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