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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"we have purchased 6 homes in the past and this was our first with Rick. It was the best loan process we have ever had from start to close. We will use Rick from now on."
Robert P. Closed Jan 02, 2026
"Smooth and stress-free"
Andre W. Closed Sep 25, 2025
"Rick is a great and easy person to work with he breaks it down for you and works with your schedule not stressful at all highly recommend him this was my first time buying he made it very easy."
Jennifer G. Closed Jan 28, 2025
"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 and Brenda went above and beyond for me and even worked on the weekend to get everything done for my loan. Very easy to close with as well. Always took my calls and answered my questions. Very grateful and thankful."
Shane D. Closed Aug 19, 2025
"Rick, was a God sent! My husband and I were having so much trouble with another company. I was losing hope about buying the house I loved. I'm so thankful my husband found him.I don't know how he made it so easy but Rick did.. I truly thank you for helping us get the house we love."
Megan B. Closed Jul 31, 2024
"Rick and Brenda Scherer were great to work with made the home buying process easy. I would definitely recommend Rick to anyone interested in buying a home."
Vernon R. Closed Sep 30, 2025
"Rick is always amazing I couldn't recommend him enough to my clients"
Mykela S. Closed Aug 09, 2024
"Rick, Was very professional and communicative. He set realistic goals and exceeded my expectations. I was able to close on my first home in weeks."
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