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 has excellent communication skills! He kept us informed every step of the way. Every time I called him he answered. He also got the loan clear to close in record time! Very impressed. I would love to work together in the future!"
Christy W. Closed Mar 15, 2024
"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
"Rick & Brenda were consistently effective at meeting critical deadlines in the home buying process. Their service and professionalism is top notch. Super experience!"
Amanada G. Closed Mar 17, 2023
"If you're a first-time homebuyer looking for a patient, knowledgeable, and incredibly flexible mortgage agent, look no further than Rick! From the very beginning, Rick made the entire process feel manageable. He was incredibly accommodating with my schedule, working around my busy days to answer questions and explain things in a way I could understand. There were times when the paperwork or terminology got confusing, but Rick never hesitated to break things down and make sure I was comfortable before moving forward. What truly impressed me was Rick's flexibility. The housing market can be unpredictable, and Rick was always willing to adjust his approach based on any new developments. He never made me feel pressured or rushed into any decisions, and he constantly offered guidance and support throughout the entire journey. Thanks to Rick's expertise and willingness to go the extra mile, I was able to navigate the homebuying process with confidence. I can't recommend him highly enough!"
Matthew B. Closed Mar 21, 2024
"Rick is just always awesome at what he does. Get it’s done on time, communicates constantly and makes it a smooth transaction"
Karie A. Closed Aug 09, 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
"Excellent experience. Knowledgeable, responsive and made the process less stressful."
Diane S. Closed Dec 31, 2025
"Rick got it done with his extra help and experience"
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