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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"While the Lender was an amazing team to work with we had alot of trouble with the whole closing process. I do appreciate everything that Rick and his team did to help us"
Robin L. Closed Aug 31, 2023
"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
"Explanation of things, answer all my qquestions 24/7 basically, most important being true to your word!"
Stacy F. Closed Sep 05, 2025
"Great communication, very fast and easy process."
Nicholas P. Closed Aug 18, 2025
"Excellent experience. Knowledgeable, responsive and made the process less stressful."
Diane S. Closed Dec 31, 2025
"Rick Scherer was our lender who did an outstanding job. We were caught off guard without lease and owner wanted us to buy or vacate within 60 days. We originally reached out to local lenders who told us to come up with 60k cash or advised us to rent in a different down but it just wasn't possible. Rick got us approved same day with no money down. No back and forth, easy to work with, professional, polite and most of the time seemed to be the only person on our side and advocating for us, as the realtor fumbled at every step. We highly encourage you to reach out to Rick, he gets it done when others seem to bothered to make it happen, words do not describe the reflief we had, reach out and working with Rick. He made a miracle happen while being an absolute pleasure throughout. Thanks Rick and Brenda!!"
Matt T. Closed Jul 31, 2025
"Professional honest friendly good people"
Kevin G. Closed Mar 31, 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!"
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