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 and Brenda were amazing and helped us tho through this process! We couldn't have done it without them and if we ever move again we will not use anyone but them!"
Brandon M. Closed Dec 31, 2024
"Everything went smoothly, thank you"
Robert L. Closed Jul 31, 2025
"Excellent experience. Knowledgeable, responsive and made the process less stressful."
Diane S. Closed Dec 31, 2025
"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
"Rick and his team did a great job keeping me informed of all steps, even during some hurdles. Would recommend to anyone looking for a mortgage company and use them again!"
Chelsea H. Closed Jul 29, 2025
"Communication was great with Rick and Brenda. Process was smooth."
Eric W. Closed Mar 28, 2025
"we have purchased 6 homes in the past and this was our first with Rick. It was the best loan process we have ever had from start to close. We will use Rick from now on."
Robert P. Closed Jan 02, 2026
"We had an overall great experience, Rick and his team was helpful, flexible and cooperative with efficient communication. He would always answer our questions timely, and there was no delay in the process, they were on top of everything."
Syed M. Closed Jun 27, 2025
"Rick was the best part of the entire home buying process."
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