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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"I love how fast the team pulled everything together. I was told I would get some of my money back on the appraisal, I asked and never heard back about that. Also it was very hard to learn what my mortgage will be every month, I feel this is something that should be put on the table from the start. I had to ask several times and by the time I found out we were kind of at the end of the process and if this was something that was too much for me it was too late. As a first time homebuyer I had no clue what was ahead and I feel there should have been more of a schedule or lay out to keep the buyer prepared and informed. I do feel Rick was professional and appreciate support from Brenda, it was a tough process but we got through it."
Tequilla Q. Closed Feb 02, 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
"The clear and concise communication. The quick responses to questions by email, text or when we called. They made this process easy and quick. We were even able to close on our 1st house 2 days earlier from original closing date."
Kira N. Closed Dec 19, 2025
"I had other mortgage experiences that were unprofessional. But, with Rick the process was seamless!!! Rick's knowledge and expertise are top notch and he will be my number one referral from now on!!!!"
Cynthia L. Closed Aug 15, 2025
"Rick was the best part of the entire home buying process."
Melinda H. Closed May 13, 2024
"Rick provided support and pertinent i information in a timely manner. He was very informative in guiding us through the home buying process."
Shawna F. Closed Sep 05, 2025
"Rick and Brenda Scherer were great to work with made the home buying process easy. I would definitely recommend Rick to anyone interested in buying a home."
Vernon R. Closed Sep 30, 2025
"The open line of communication was way above par. I called Rick on weekends and at odd times late in the evening. He answered my calls all but once. The one time he didn't answer he called me back 10 minutes later. The loan process was very smooth and easy. Rick and his wife Brenda are an ALLSTARS team."
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