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.
GET A FREE RATE QUOTE ON THE RIGHT MORTGAGE FOR YOU!
"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
"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
"Rick has excellent communication skills! He kept us informed every step of the way. Every time I called him he answered. He also got the loan clear to close in record time! Very impressed. I would love to work together in the future!"
Christy W. Closed Mar 15, 2024
"Rick and Brenda Scherer were great to work with made the home buying process easy. I would definitely recommend Rick to anyone interested in buying a home."
Vernon R. Closed Sep 30, 2025
"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."
Tequilla Q. Closed Feb 02, 2024
"As first time buyers our whole experience went great!"
Jorge N. Closed Sep 26, 2025
"You were helpful from start to finish during the home buying process! We will definitely be referring others to you in the future. We are thankful to have found such a great company to work with. We are excited about the purchase of our new home!"
Ginger H. Closed Jun 26, 2024
"Rick was eager to answer all of my questions. Rick was very supportive and encouraging throughout the entire process. He always took the time to explain every step in simple terms I could understand. Every conversation felt like I was talking to someone who really cared about the people he was working hard for. I will recommend Rick to anyone I know in the market for a house. Thank you again Rick."
Apply in 5 minutes
