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 answered my calls when I called. Explained things well and gave sound advice"
Justin B. Closed Aug 09, 2024
"Very helpful and made the entire process easy."
Shanequa M. Closed Jun 12, 2025
"Very good communication, worked with me going over options to get the best deal for me"
Harold S. Closed Mar 10, 2025
"Rick was a straight shooter and incredibly knowledgeable! Other lenders took forever to get back and none could match what Rick could offer! This was our 3rd home buying experience and by far the best largely due to Rick and his fantastic work!"
Amanda P. Closed Apr 30, 2024
"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
"Don't even know where to start we have been in the process for a few years now getting credit where it needs to be, having a bankruptcy a few years back buying a home seemed almost impossible. I found rick on Facebook and was very skeptical at first but once I talked to him I knew he knew his stuff. He walked me and my wife through the whole process and answered any questions I had in a very timely manner. I have spoken to several other lenders and honestly when my credit wasn't quite there they honestly lost interest. Rick helped from literally getting our credit to where it needs to be to the whole process all the way to closing. Not gonna lie it was the most stressed month I had in my life but he made it all make sense and helped us through it. Rick and Brenda were honestly the best and I couldn’t of asked for more decent people to handle my mortgage. I'm not the one to do reviews but this whole scenario is so worth the review. If your at that point of wanting to buy and are skeptical if your gonna be able to, get ahold of Rick he will make it happen I promise! Thanks Rick and Brenda!! Wes and Kim"
Wes S. Closed Jan 04, 2023
"You were helpful from start to finish during the home buying process! We will definitely be referring others to you in the future. We are thankful to have found such a great company to work with. We are excited about the purchase of our new home!"
Ginger H. Closed Jun 26, 2024
"Rick Scherer was our lender who did an outstanding job. We were caught off guard without lease and owner wanted us to buy or vacate within 60 days. We originally reached out to local lenders who told us to come up with 60k cash or advised us to rent in a different down but it just wasn't possible. Rick got us approved same day with no money down. No back and forth, easy to work with, professional, polite and most of the time seemed to be the only person on our side and advocating for us, as the realtor fumbled at every step. We highly encourage you to reach out to Rick, he gets it done when others seem to bothered to make it happen, words do not describe the reflief we had, reach out and working with Rick. He made a miracle happen while being an absolute pleasure throughout. Thanks Rick and Brenda!!"
Matt T. Closed Jul 31, 2025
"Rick was very help and did what he promised. He got us our own home"