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 Scherer and his team made this purchase a very easy and painless experience. If I find out that any of my family or friends are looking to purchase a new house I will be referencing him."
John S. Closed Apr 12, 2024
"my husband and I are so thankful to Rick and the fantastic service him and Brenda provide! he's super patient and helpful and I am forever thankful to have found your ad! thank you thank you for getting us and our pups into our home before the holidays! 100% recommend Rick to anyone who wants a smooth home buying process!!"
Erika H. Closed Dec 03, 2022
"This was a complicated and very difficult transaction to wade through. However, Rick and his team did outstanding in getting our client to the closing table near our contract date. I will highly recommend Rick !"
Lorraine F. Closed Jul 19, 2024
"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
"Great communication and flexibility to work with a client"
Norman L. Closed May 24, 2024
"Rick is by all means the beast of financing! I have tried to work with soooo many lenders and there weren't able to give me as many options as Rick… the process was smooth and a great experience. He walked us through the entire process and anytime I messaged or called.. he always answered! That's the key… getting a lender that doesn't just start the process but finishes it. We appreciate you soooo much Rick!"
Tiffany M. Closed Apr 28, 2023
"Rick did everything he could to make sure i get to buy my first house and I really appreciate him for doing that I will definitely reference my friends to him"
Frank P. Closed Apr 11, 2025
"After being turned down by another lender for a smaller amount, Rick was able to get me and my family into a gorgeous home for more than what we expected we could ever get. I cannot say enough good things about this man. He is on the ball with communication and honesty. Helped us from start to finish no matter what we needed or what questions we had. I’m sure he was glad to be done with our loan anyway, i 100% recommend him. He is so knowledgeable about everything and that really helped the process go smoothly."
Albert V. Closed Oct 23, 2022
"The quick responses, everything was done in a timely manner. They were the best with the pre approval odds."
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