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 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
"I highly recommend Rick Scherer he is incredibly knowledgeable and took the time to understand my needs. He helped explore different loan options and find the perfect fit for my financial situation. I worked with mortgage Lenders in the past but Rick is the one of the best in this business and I can't thank him enough. The team , especially Brenda was supportive and professional, ensuring confidence in decisions. Their expertise are invaluable in navigating the mortgage process. They made the process smooth and easy. They were quick to respond to every email and call, keeping the process moving we definitely need more people like you in this world."
Snezana B. Closed Jun 12, 2025
"Rick was absolutely amazing! Rick answered all of my questions in a timely manner and was very patient with me."
Chermaine O. Closed Jun 28, 2024
"Very knowledgeable! Fast approval when local banks wouldn't help us. Greatly appreciated!"
Jonathan F. Closed Jun 28, 2024
"Rick was great to work with he was quick and he was fast. I got into my home in a very short period of time. Communication was really good. He replied to all my request. Thank you again Rick."
Mary O. Closed Oct 31, 2025
"Great person to work with"
Russell W. Closed Feb 07, 2025
"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
"Quick Rick is the MAN!! It's still quite unbelievable how quick he got us from preapproval to closing. As first-time homebuyers, we had no idea what to expect in this process, but Rick's constant availability and swift responses to any and all questions made it a breeze. Rick- we cannot thank you enough for helping us purchase our first home. You will always be our go-to for all things mortgage related and we will spread your name to others any opportunity we get!"
Leslie P. Closed Jan 05, 2024
"I love how fast the team pulled everything together. I was told I would get some of my money back on the appraisal, I asked and never heard back about that. Also it was very hard to learn what my mortgage will be every month, I feel this is something that should be put on the table from the start. I had to ask several times and by the time I found out we were kind of at the end of the process and if this was something that was too much for me it was too late. As a first time homebuyer I had no clue what was ahead and I feel there should have been more of a schedule or lay out to keep the buyer prepared and informed. I do feel Rick was professional and appreciate support from Brenda, it was a tough process but we got through it."
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