Rick Johnson has been serving the financial needs of his customers for over 25 years.  Rick is a Nationally Licensed Mortgage Loan Originator. His education and lending experience includes being fully trained and certified in; Conventional loans, Jumbo loans, CalHFA, NHF, USDA Rural, FHA loans, FHA Full 203k Renovation and Streamlined k, FHA Energy Efficient, HomePath, Home Ownership Accelerator, Reverse Mortgages, VA loans and many more. One program does not fit all.

 Rick is committed to listening carefully to your financial needs.  He will work diligently to find the right loan program that fits your personal financial goals.  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.

 Even if you owe way more on your home than it is worth there are several new 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 Johnson is here to help.

 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 playing golf.

Rick and his family have lived in the Sacramento, Carmichael, Fair Oaks, Folsom and El Dorado County region for the last 35 years.  Rick has been blessed to be married to his best friend and love of his life for over 36 years.  He has three adult children, all married, and five grandchildren.

Rick and his wife Diane are very active in their church.  They have enjoyed singing in the choir, teaching youth and adult classes, being active in marriage mentoring, helping out in the food closet, actively teach money management classes and have hosted fellowship groups in their home. Rick is a current member of the Board of Directors and is on the Men’s Ministry planning Board.

To receive the Mortgage services you deserve, or just help with your Mortgage related questions, please contact Rick Johnson today at 916-486-6521 or 530-426-5049 office or 916-367-3738 cell. Find me on the web at www.RJ4Loans.com.