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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

December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019		Understanding the Debt-to-Income Ratio Learn about one of the most important aspects of qualifying for a mortgage. Keep Reading »    Tips for Reducing Your Debt If you're carrying a lot of debt, try these methods to reduce it. Keep Reading »    Change Your Habits to Find Success Get your feet on the right path to improve your life. Keep Reading »    Holiday Sugar Cookie Recipe It's time to get out the bakeware and make this classic holiday cookie. Keep Reading »    Winterize Your Home and Save Money on Energy Costs Use these home improvement tips for saving energy in winter. Keep Reading »    Smartphones Feature Amazing Cameras to Help You Take Better Pictures Choose the right phone and learn to use manual features to take better pictures. Keep Reading »

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

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