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 helped me so much! My original company was just awful. They were very unorganized & have me no information or help. Rick managed to fix all the damage they did & wouldn't let me give up. I wouldn't have my house if it weren't for him."
Christina Y. Closed Nov 19, 2022
"Rick alway answers the phone and keeps you informed throughout the entire process. He has a wide variety of loan products, making him a good fit for buyers at any price point."
Tiffany B. Closed Feb 23, 2024
"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 is awesome and got us closed early. We are so thankful for him!"
Annabelle S. Closed May 22, 2025
"Rick is very professional and very nice and very helpful he help me the hole way threw I really appreciate him thank you Rick"
Lakenda M. Closed May 30, 2024
"Rick was very helpful answering questions! He was professional! I will be sending a friend to him soon!"
Darnele B. Closed Mar 14, 2025
"Rick is hands down my new favorite person on earth!! My wife and I got strung along with another broker for our first home purchase. After feeling crushed when we had to back out of our first home offer because the other broker couldn’t actually do what he said he could, we met Rick through Facebook. Instantly he was off and running, told me exactly what we needed to do from the get go and made the entire process smooth as it could be. He answered all phone calls at all times or responded no later than a few hours. He even drove around checking on houses as we were moving into the same town he lived in from another state and basically gave us an honest opinion on each home and neighborhood. I literally could go on for hours about how awesome we were treated and not to mention he made sure WE CLOSED IN OUT FIRST HOME!! We move in next week and can’t wait and it wouldn’t have happened with out the help of Rick and his team!! Will definitely use Rick again for all my loan needs in the future!!"
Cody R. Closed Sep 15, 2022
"Rick provided support and pertinent i information in a timely manner. He was very informative in guiding us through the home buying process."
Shawna F. Closed Sep 05, 2025
"Rick is an awesome Lender! He helped me in every aspect. explaining everything throughly. With Rick I've gotten an excellent rate on closing costs and interest rate. I will be recommending my friends and family."
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