Whether you're looking to purchase or refinance your existing home, let our experts find loan options to fit your needs. We specialize in DOWN PAYMENT ASSISTANCE and First-Time Homebuyers.
PERSONAL ASSISTANCE We are available 7 days a week
Down Payment Assistance is Available.
The number one obstacle for most homebuyers is the down payment, but help is out there. We have several Down Payment Assistance and Zero Down Payment programs to help. Unlike most lenders, we offer our own Down Payment Program that has flexible guidelines and competitive interest rates.
Lack of a Down Payment shouldn't keep you from owning your own home! We're here to help!
Determining the amount you might qualify for and your budget can be difficult. We have tools to guide you with those answers. Try our Purchase Power and Loan Calculator tools to help you.
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. For a more accurate payment, please call us at 352-446-9422.
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"Rick was undoubtedly the driving force behind my recent home purchase from one state to another. Back in July my rental lease was set to expire in September and I was so over paying the never ending increasing costs to rent. So I started skimming mortgage lenders, came across Rick’s company, started filling out the application and decided not to finish it. Because I didn’t want my phone ringing off the hook by 5 million different agents. Well, here comes Rick a-calling the next day. First best decision, that I’d made on my purchasing journey, was to hear Rick out. I told Rick, I don’t have a pot to piss in, (well, I didn’t say it quite like that), I don’t want to live in a shack and I want to live in Tennessee. He said okay and he’d do everything he could and than he did. He got me a loan that I could afford and he went above and beyond to keep me believing that I will never again have to pay any one else’s mortgage by renting.
Rick was the voice that I needed to keep my spirit up, my patience refreshed and my belief strong that I was on the right path. Patience is helpful and none I have. Rick was my patience. He never left it up to me, lol, with my discouraging intrusive thoughts. Rick only had more homes to view, more areas to consider, more paths to explore.
Guess what? On August 23rd, I closed on my home in an area of Tennessee that I absolutely love and it’s not a shack.
Thanks Rick!"
Stephanie B. Closed Sep 06, 2022
"As a first time homebuyer, the process was very smooth. Rick informed me pretty much about everything in the application process and was very easily accessible. He was courteous and provided a lot of clarity on what to expect."
Vijay G. Closed Jul 02, 2024
"Great company. Great service."
John A. Closed Feb 19, 2025
"Rick alway answers the phone and keeps you informed throughout the entire process. He has a wide variety of loan products, making him a good fit for buyers at any price point."
Tiffany B. Closed Feb 23, 2024
"We were informed of the process from beginning to end. Rick was always available to answer questions . He helped make are dreams come true"
Keith B. Closed Jun 18, 2025
"Rick was fantastic, knowledgeable and super friendly person. He made the whole process to go very smooth. I will highly recommend Rick to my friends and family. Thank you for setting up everything straight and he was very quick in turnaround."
Neelufhar A. Closed Dec 30, 2022
"Rick is very professional and very nice and very helpful he help me the hole way threw I really appreciate him thank you Rick"
Lakenda M. Closed May 30, 2024
"Rick answered my calls when I called. Explained things well and gave sound advice"
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