Welcome to our website. We look forward to putting our mortgage services to work for you!

We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

About Rick Johnson.
Rick Johnson has been serving the financial needs of his customers for over 25 years.  His education and lending experience includes being fully trained and certified in; CalPERS, CalHFA, CalSTRS, NHF, USDA Rural, FHA, FHA 203k Renovation, FHA Energy Efficient, Home Ownership Accelerator, Reverse Mortgages, and many more.

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. If you are purchasing your first home or buying or building 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, Fair Oaks, Folsom and El Dorado County region for the last 33 years.  Rick has been blessed to be married to his best friend and love of his life for over 35 years.  He has three adult children, and four grandchildren with a 5th on the way.

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, taught money management classes and hosted fellowship groups in their home.

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.

	Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
	Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
	Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.