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 answered my calls when I called. Explained things well and gave sound advice"
Justin B. Closed Aug 09, 2024
"Rick was fantastic, knowledgeable and super friendly person. He made the whole process to go very smooth. I will highly recommend Rick to my friends and family. Thank you for setting up everything straight and he was very quick in turnaround."
Neelufhar A. Closed Dec 30, 2022
"Rick is very personable and honesty. Made sure I felt comfortable but also delivering all the necessary information for me to make the best decision for my situation. The entire team that worked on my loan were professional and kind, especially Brenda. Any minor hiccups were handled with clarity and understanding. Great experience. They made me feel like a person and not just another number."
Keith W. Closed Dec 09, 2025
"Rick was quick, responsive, and honest!"
Heaven H. Closed Aug 19, 2025
"You and your team were very quick, cooperative and on top of everything. I am completely grateful and satisfied."
Fatima Z. Closed Jun 27, 2025
"Great communication and flexibility to work with a client"
Norman L. Closed May 24, 2024
"This has been the quickest, easiest experience ever. I highly recommend anyone to contact Rick and his team. They made my dreams come true so quickly it felt like it wasn't even real. Professional, efficient, and working hard to help you through a stressful, scary process. This experience has been unlike anything I have ever been through, read about, or even heard of from others I know. If you want a new forever home, Planet Home Lending is the ONLY way to go!"
Melissa B. Closed Sep 26, 2025
"I never thought that I would ever be able to purchase a home for myself then I found Rick on Facebook. He was so helpful and answered all my questions during the whole process. He was available anytime during the day or evening and had my loan approved quickly. I would recommend him to anyone that I know looking to purchase their new home."
Michelle L. Closed Nov 30, 2022
"Thank you again for the communication throughout the entire process. It was a pleasure working with you!"
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