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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"From day one. Rick answered his phone right away. I was shocked to learn that he was so honest and personable about his business. You simply do not find that anymore. He always made himself available to me and if he didn't answer he always returned my calls. Same with emails. He walked me through the process step by step. I highly reccomend him!"
Michael H. Closed Oct 31, 2025
"Rick was awesome to help get our deal done"
Shane F. Closed Aug 04, 2023
"This was our second home purchase and I was dreading it but Rick and Brenda at Planet Home Lending made the process so easy! My questions were answered in such a timely manner and always so nice in explaining the process. Very happy! Thank you so much!"
Kim L. Closed Jul 31, 2025
"Rick and Brenda made the process so smooth, answered all my questions, was super friendly, we closed within 30 days with a few hurtles."
Robert M. Closed Mar 10, 2023
"Rick went above and beyond to help our family with pre-approval all the way to closing. We were actually able to close 10 days earlier than planned which means start to finish took less than 30 days!! We highly recommend Rick and Brenda. We are officially homeowners thanks to all their hard work!!"
Christina S. Closed May 17, 2024
"We were informed of the process from beginning to end. Rick was always available to answer questions . He helped make are dreams come true"
Keith B. Closed Jun 18, 2025
"Mr.Scherer was very understanding of our needs and I feel did his best to help at explaining what was needed to complete the loan process.I would be happy to recommend him to others in the home buying process."
Timothy F. Closed Apr 25, 2024
"Rick was the best part of the entire home buying process."
Melinda H. Closed May 13, 2024
"Great service, communication, friendly, patient with us first time homebuyers"
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