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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"Nice to work with, knowledgeable and everything went so smoothly."
Pat B. Closed Jun 21, 2024
"Rick was the best part of the entire home buying process."
Melinda H. Closed May 13, 2024
"It was no pressure and stress. Rick made it an amazing experience. Any future business I would gladly do through Rick."
Bazil H. Closed Jun 11, 2024
"Rick made everything so simple and explained anything I had questions about. He made a stressful process extremely smooth and me and my family can not be more thankful!!"
Jeremy V. Closed May 28, 2024
"Great communication!"
Danna C. Closed May 02, 2025
"Rick is the real deal! He was thorough, prompt, responsive and very honest. A first rate mortgage officer who knows his stuff! I can’t recommend Rick enough; if you think you can’t get approved, call Rick before you throw in the towel!"
Jerrell B. Closed Nov 22, 2022
"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
"Wonderful experience working with Rick!!"
Nikita W. Closed Aug 26, 2025
"I was nervous, scared, terrified maybe, even going into this. A single mom of 4 boys I had no idea what I was getting myself into really. I just knew I needed guidance. That’s when I came across Rick and Brenda. They made the home buying process seem so easy and got us in our new home before Christmas just like we prayed for! It was an honor and blessing! I would recommend them over and over again! 5 stars all day long!"
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