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 was very knowledgeable about the process. It went through very efficiently and professionally. I am very gald we referred to his company."
Sean C. Closed Sep 04, 2025
"Rick answered all the question we had quickly and profession. Most importantly, when we were ready to close early he knew immediately that we were clear to close a week early. No hesitation! I had complete confidence that the transaction would close. This is not always the case."
Kenneth P. Closed Jan 19, 2024
"Great experience overall. what would have made it better is if an initial call or email listing all information needed. i wasn't asked about my filing status or previous living history in the beginning."
Janet B. Closed Aug 29, 2025
"Timely, effective"
Lynn P. Closed Sep 26, 2025
"If you're a first-time homebuyer looking for a patient, knowledgeable, and incredibly flexible mortgage agent, look no further than Rick! From the very beginning, Rick made the entire process feel manageable. He was incredibly accommodating with my schedule, working around my busy days to answer questions and explain things in a way I could understand. There were times when the paperwork or terminology got confusing, but Rick never hesitated to break things down and make sure I was comfortable before moving forward. What truly impressed me was Rick's flexibility. The housing market can be unpredictable, and Rick was always willing to adjust his approach based on any new developments. He never made me feel pressured or rushed into any decisions, and he constantly offered guidance and support throughout the entire journey. Thanks to Rick's expertise and willingness to go the extra mile, I was able to navigate the homebuying process with confidence. I can't recommend him highly enough!"
Matthew B. Closed Mar 21, 2024
"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 was there to answer any questions we had and helped getting into apps that we didnt know anything about. He is very friendly and informative. I would not hesitate to recommend him to any looking to buy or refinancing a home. Rick worked with us every way possible. I thank him alot. Cheryl A Mickle"
Cheryl M. Closed May 03, 2024
"Rick, was a God sent! My husband and I were having so much trouble with another company. I was losing hope about buying the house I loved. I'm so thankful my husband found him.I don't know how he made it so easy but Rick did.. I truly thank you for helping us get the house we love."
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