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		Rick R. Johnson Cert. Mort. Advisor/Mort. Broker/Solution Expert Village Financial Group, Inc. Phone: 916-367-3738 License: NMLS #360614, CalBRE# 01711076 Rick@RJ4Loans.com www.RJ4Loans.com

October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014		Job Uncertainty Outweighs Attractive Low Rates Home loan rates reached 12-month lows, yet homebuyers have been faced with tighter loan guidelines, job instability and no income growth. Keep Reading »    Who Do You Miss? By Jason Womack, MEd, MA Acknowledge people in your past and present—you'll be grateful you did. Keep Reading »    Calling All Digital Bookworms! Best Bargains on E-books and E-readers Featuring the latest in top devices and e-book resources. Keep Reading »    High-energy Snacks to Refuel Your Workday Avoid midday "crash and binge" with these healthy snacks. Keep Reading »    8 Facebook Privacy Settings You Need to Check Now By Rebecca Dolan, Kiplinger.com Have you updated your security preferences lately? Keep Reading »    Happy Halloween! No tricks! This article will ensure your Halloween holiday is a treat. Keep Reading »

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Village Financial Group, Inc. 1212 Suncast Lane, Suite 1 El Dorado Hills, CA 95762

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