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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"I had other mortgage experiences that were unprofessional. But, with Rick the process was seamless!!! Rick's knowledge and expertise are top notch and he will be my number one referral from now on!!!!"
Cynthia L. Closed Aug 15, 2025
"Rick and his team were great throughout and made process of home buying simple and stress free for us. He guided us from the pre approval and search of our home all the way till closing. We are so glad we found him, he was always available to answer the simplest of questions we had. Great knowledge of the home buying and mortgage approval process, the best we have seen in that regards. Super competitive rates and terms. Highly recommend him and Axia team."
Deepak S. Closed May 30, 2024
"Rick eas on spot with his advice and was always available to answer any questions no matter how many questions there were!!"
Robert S. Closed May 23, 2025
"Rick,
Truly thank you for everything you and Brenda have done for us. We never thought we'd ever be able to buy a home and always be in the rent race. It's a depressing and hopeless feeling. You truly have no idea how much this means to us.
We've had to move so many times, and never felt like we were ever "home", because we weren't. We always knew we had to move when our lease is up. We were always restricted by our landlords, even if we wanted to paint our daughter's room or have a small garden. This move was different and surreal for us. To pull up to our first home, where our daughter would grow up, where we could have the chickens we've always wanted and even think about extending our family and having a nursery is beyond words for us.
Thank you for giving a small young family like us a chance, and sticking through it all and fighting for us. You made a difference in our lives, and we wouldn't be here if it wasn't for you.
I wish you and Brenda, nothing but health, wealth and happiness.
- Megan and Randy "
Megan M. Closed Mar 06, 2023
"Thank you for a smooth and easy experience! Great communication and your team did everything to make it happen! Everything was completed thoroughly and quickly. Thank you so much for getting me into my home!!"
Roni H. Closed Jul 28, 2025
"Rick was very helpful answering questions! He was professional! I will be sending a friend to him soon!"
Darnele B. Closed Mar 14, 2025
"Very good communication, worked with me going over options to get the best deal for me"
Harold S. Closed Mar 10, 2025
"The process was great and it moved fast and I learned alot more thank u Mr rick and his team did amazing my wife and kids thank u as well"
Anthony W. Closed May 10, 2024
"Rick got it done with his extra help and experience"
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