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 helped me so much! My original company was just awful. They were very unorganized & have me no information or help. Rick managed to fix all the damage they did & wouldn't let me give up. I wouldn't have my house if it weren't for him."
Christina Y. Closed Nov 19, 2022
"This guy right here is amazing!
We went through a local lender and they said my credit was too bad to be on a home loan so they’d only use my husbands. We needed both incomes in order to get a house in my area so that didn't work. I saw this add pop up and wondered. He contacted me and helped me fill out forms over the phone. I was praying it wasn’t a scam as that’s a lot of info well.. he got it to where both incomes are on it and we had a higher limit than I could have dreamed about. It certainly was not a scam and we close on our perfect home in the next 2 weeks. Keep in mind we started this process August 31st. It has gone so fast and smoothly all thanks to him. Couldn’t ask for anyone better to help us on this exciting journey. Also.. he has answered all of my questions no matter how stupid they are in a very fast and honest manner
10/10 recommend"
Ashley G. Closed Sep 26, 2022
"Rick was eager to answer all of my questions. Rick was very supportive and encouraging throughout the entire process. He always took the time to explain every step in simple terms I could understand. Every conversation felt like I was talking to someone who really cared about the people he was working hard for. I will recommend Rick to anyone I know in the market for a house. Thank you again Rick."
Larry D. Closed Jul 10, 2023
"Getting it dun Thanks rick"
Robert L. Closed Jan 03, 2025
"From very first message to closing, always prompt and real information and truly a Godsend! Awesome experience and would recommend to any and everyone!"
Ronald F. Closed Sep 19, 2025
"Rick and Brenda were awesome for a first time buyer! They helped me along in the process and were very knowledgeable! A nice experience ! Thanks again!"
Brian T. Closed May 15, 2024
"Quick communication, friendly, explains things well"
Betina H. Closed Mar 31, 2025
"Timely, effective"
Lynn P. Closed Sep 26, 2025
"With me every step of the way. Pleasing to talk to over the phone. He made everything personal when need anything either phone calls or text. This guy was an absolute beast with the whole process. Made me feel at ease."
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