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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"Super happy with working with Rick he made my dream reality by becoming a first time homeowner
So glad was able to connect with Rick and he kept his word and i am a first time home owner. He his highly recommended, thank you for all you have done."
Little H. Closed Nov 28, 2022
"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
"Rick is literally the man!!!! I’ve found my new lender without a doubt. I just hate that it took me so long to realize this ?"
Mark R. Closed Apr 30, 2024
"Well done and thank you SO very much! My husband and I were working with a tight timeline (17 days). We knew going in that it was going to be tricky and you did not disappoint, you met the deadline with plenty of time to spare. That truly speaks volumes to how well you and your office conducts business and the caliber of professionalism of all who handled the processing of our entire loan. Our realtor has even saved your contact information to share with others. Thank you Rick from the bottom of our hearts!!"
Georgette S. Closed May 24, 2024
"Wonderful experience working with Rick!!"
Nikita W. Closed Aug 26, 2025
"We just closed on our very first home, and we couldn’t be more grateful for the incredible experience we had with our lender. From start to finish, they made the entire process smooth, stress-free, and genuinely enjoyable. As first-time homebuyers, my husband and I had a lot of questions, and they always took the time to explain everything clearly and patiently. Their communication was exceptional, their professionalism unmatched, and their dedication to helping us find the best loan option was beyond anything we expected. They were always one step ahead, keeping us informed and supported through every phase of the journey. Thanks to their expertise and guidance, we felt confident and cared for the whole way through. We couldn’t have asked for a better partner in this huge milestone. If you’re looking for a lender who truly puts their clients first, look no further—they are simply the best"
Anthony C. Closed Dec 11, 2025
"Thank you for everything your help and I am happy working with you."
Bie P. Closed May 06, 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!"
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