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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"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
"Rick and Brenda are the dream team! This transaction was a little bit of a doozy needing two re-inspections prior to closing. The most recent one the day before closing day! Not only did we get everything done in time on my end but Cleared to closing only a couple hourse after re-inspection. God sent these two, I tell ya."
Mykela S. Closed Apr 29, 2024
"The service we received from Rick Scherer was very professional and helpful. He responded to every question we had in a timely and professional manner and he always made us feel like we were his only clients"
Dale W. Closed Mar 11, 2025
"Rick answered my calls when I called. Explained things well and gave sound advice"
Justin B. Closed Aug 09, 2024
"Very good communication, helpful insights and very pleasant to work with"
Richard S. Closed Aug 08, 2024
"Rick is the best!!"
William J. Closed Jun 14, 2024
"Great communication, very fast and easy process."
Nicholas P. Closed Aug 18, 2025
"Excellent customer service and great communication"
Rebecca F. Closed Aug 28, 2025
"This guy right here is amazing!
We went through a local lender and they said my credit was too bad to be on a home loan so they’d only use my husbands. We needed both incomes in order to get a house in my area so that didn't work. I saw this add pop up and wondered. He contacted me and helped me fill out forms over the phone. I was praying it wasn’t a scam as that’s a lot of info well.. he got it to where both incomes are on it and we had a higher limit than I could have dreamed about. It certainly was not a scam and we close on our perfect home in the next 2 weeks. Keep in mind we started this process August 31st. It has gone so fast and smoothly all thanks to him. Couldn’t ask for anyone better to help us on this exciting journey. Also.. he has answered all of my questions no matter how stupid they are in a very fast and honest manner
10/10 recommend"
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