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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"This has been the quickest, easiest experience ever. I highly recommend anyone to contact Rick and his team. They made my dreams come true so quickly it felt like it wasn't even real. Professional, efficient, and working hard to help you through a stressful, scary process. This experience has been unlike anything I have ever been through, read about, or even heard of from others I know. If you want a new forever home, Planet Home Lending is the ONLY way to go!"
Melissa B. Closed Sep 26, 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
"This was our second home purchase and I was dreading it but Rick and Brenda at Planet Home Lending made the process so easy! My questions were answered in such a timely manner and always so nice in explaining the process. Very happy! Thank you so much!"
Kim L. Closed Jul 31, 2025
"Great experience overall. what would have made it better is if an initial call or email listing all information needed. i wasn't asked about my filing status or previous living history in the beginning."
Janet B. Closed Aug 29, 2025
"Working with Rick Scherer has always been easy and his communication is always clear. Based on my experience, I highly recommend him. 10 out of 10!"
"Everything was good, but at times we felt like we were being an inconvenience with questions. Then we were not told the exact cash to close until the day before closing, which put us in a bind. We ended up finding out the cash to close by the Title Company. Overall, our experience was good, I just think the communication could be a little better for first time home buyers."
Hayley J. Closed Jun 25, 2025
"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
"Was a pleasure to deal with. The communication was excellent if we had a question or concern he would message back within the day an amazing overall experience."
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