Village Financial Group - El Dorado Hills, California

A K.

Rick kept saying my husband wasn't qualified for homes and needed to show more income, year after year, I later find out that we did qualify for a bank loan and DID indeed qualify for the home I wanted. We were very unhappy finding that out because my husband waited years to show better income per Ricks request which was completely uneeded. He brushed us off when I did not agree to have him as my loan officer and real estate agent. Thank Rick, now houses are completely unaffordable.

Steve K.

I have known Rick for the better part of 15 years. He is an absolute professional, honest to a fault, and incredibly knowledgeable. His client focused approach has helped hundreds of families, over the years, to buy, sell and/or finance the home of their dreams. You would do well to align yourself with Rick as I have!

Jeffery J.

Rick did an absolutely outstanding job on my original purchase and finance in 2017. Then he reached out to me December of 2021 to refinance at the absolutely lowest rate in existence and helped get rid of the PMI insurance. RICK!!!!!! Your a rockstar, our family thanks you.

Heidi H.

Stay far far away from this man. He was seller’s agent for a house I purchased in the mountains. As a result of his non-communication and misrepresentations, unbeknownst to me, my propane was cut off to the house right before I moved in. No heat (and it gets into the 20s here at night), hot water or cooking ability for 4 days until I paid the propane company $1400 to get things turned back on. Lucky I had access to that amount of cash. Very nasty surprise. I could go on but I won’t because I am sure you have the picture. Be very wary.

Kim T.

I would highly recommend Spencer and Alexa! They helped us to secure a loan and made the entire process effortless. They kept us in the loop throughout the entire process, and never hesitated to answer our questions. They were extremely pleasant to work. We highly recommend them!

Matt M.

When looking for a mortgage company - we thought simplicity and helpfulness first. First Cal has every type of loan and product available to get your purchase or refinance done, FAST!

Andrew D.

I have done multiple transactions with Spencer over the years, he always has a way to get the deal done. I appreciate his knowledge and expertise.

Doug S.