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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"Excellent experience. Knowledgeable, responsive and made the process less stressful."
Diane S. Closed Dec 31, 2025
"Mr.Scherer was very understanding of our needs and I feel did his best to help at explaining what was needed to complete the loan process.I would be happy to recommend him to others in the home buying process."
Timothy F. Closed Apr 25, 2024
"Patient, supportive, straight forward, no false promises, reliable, honest and will find you solutions. Good listener and interperter, doesnt ignore you or leave you out in the wild. I worked with 3 lenders during the process of buying my house and he is the only one who MADE things happen."
Dan C. Closed Jun 23, 2025
"Well done and thank you SO very much! My husband and I were working with a tight timeline (17 days). We knew going in that it was going to be tricky and you did not disappoint, you met the deadline with plenty of time to spare. That truly speaks volumes to how well you and your office conducts business and the caliber of professionalism of all who handled the processing of our entire loan. Our realtor has even saved your contact information to share with others. Thank you Rick from the bottom of our hearts!!"
Georgette S. Closed May 24, 2024
"He work flexible hours and provides feedback as the process went along."
Oliver W. Closed Jun 13, 2025
"Rick made this the easiest process for us!!!"
Lora G. Closed Mar 26, 2025
"The process was great and it moved fast and I learned alot more thank u Mr rick and his team did amazing my wife and kids thank u as well"
Anthony W. Closed May 10, 2024
"Rick is the best!!"
William J. Closed Jun 14, 2024
"exience was very good. Very quick to get information always helpful when we need it and always available when we needed them. I would use them again over and over. I have already recommended hem We can't thank you enough for everything you did for us we never thought this would be our realityBut you made it one. We are grateful for this experience.Thank you ! Radfords"
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