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 was very help and did what he promised. He got us our own home"
Michael S. Closed Feb 22, 2024
"Rick Scherer was our lender who did an outstanding job. We were caught off guard without lease and owner wanted us to buy or vacate within 60 days. We originally reached out to local lenders who told us to come up with 60k cash or advised us to rent in a different down but it just wasn't possible. Rick got us approved same day with no money down. No back and forth, easy to work with, professional, polite and most of the time seemed to be the only person on our side and advocating for us, as the realtor fumbled at every step. We highly encourage you to reach out to Rick, he gets it done when others seem to bothered to make it happen, words do not describe the reflief we had, reach out and working with Rick. He made a miracle happen while being an absolute pleasure throughout. Thanks Rick and Brenda!!"
Matt T. Closed Jul 31, 2025
"Rick was easy to work with and was available any time we needed. I will definitely refer business his way. Thank you."
Jennifer D. Closed Jun 26, 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
"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
"The quick responses, everything was done in a timely manner. They were the best with the pre approval odds."
Benjamin P. Closed Oct 20, 2025
"The open line of communication was way above par. I called Rick on weekends and at odd times late in the evening. He answered my calls all but once. The one time he didn't answer he called me back 10 minutes later. The loan process was very smooth and easy. Rick and his wife Brenda are an ALLSTARS team."
Gregory R. Closed Feb 21, 2025
"Rick was on the ball with everything. He worked fast and efficiently, and communicated well throughout the entire process."
Heather H. Closed Jun 03, 2025
"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."
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