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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"As a first time homebuyer, the process was very smooth. Rick informed me pretty much about everything in the application process and was very easily accessible. He was courteous and provided a lot of clarity on what to expect."
Vijay G. Closed Jul 02, 2024
"I am a realtor in SC and had never used Rick. I had this elderly couple that I had sold their home and under contract for a new home based on their lenders approval. Less than 2 weeks from closing their lender dropped the ball. I sent them to two different agents that could not get it done. I was referred to Rick by another agent, gave him a call. He jumped on the file had been approved, through underwriting, and at the closing table on time. And today’s market that is unbelievable, I will always be loyal to Rick. He did an amazing job and pulled a miracle out of the sky. I have sent his number to several other agents. Thank you Rick for a fabulous experience."
Natalie M. Closed Mar 08, 2024
"Rick and Brenda were great to work with. They answered any questions I had quicker than any other business I have worked with. I would recommend these guys to any of my family or friends looking for a mortgage!!"
James J. Closed Jun 21, 2024
"Rick Scherer was an excellent advisor who was really easy to work with. I am thankful to him for all he did and explained to me during the process. I will definitely recommend him to family and friends and will continue in touch for future reference."
Antuanet A. Closed Aug 05, 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
"Patient, supportive, straight forward, no false promises, reliable, honest and will find you solutions. Good listener and interperter, doesnt ignore you or leave you out in the wild. I worked with 3 lenders during the process of buying my house and he is the only one who MADE things happen."
Dan C. Closed Jun 23, 2025
"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 and his team did a great job keeping me informed of all steps, even during some hurdles. Would recommend to anyone looking for a mortgage company and use them again!"
Chelsea H. Closed Jul 29, 2025
"I really appreciate everything that Axia home loans did for us they answered any and every question we had no matter what it was. I have a beautiful home because of Rick Scherer so thank you very much for everything."
PHL AND THIS OFFER ARE NOT ENDORSED BY OR AFFILIATED WITH ANY GOVERNMENTAL AGENCY. THIS OFFER IS NOT BEING MADE BY ANY AGENCY OF THE US GOVERNMENT.
This site is not approved by the New York State Department of Financial Services. This site is not intended to solicit business within the State of New York, nor can applications for properties located in the state of New York be facilitated through this site.
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