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 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."
Larry D. Closed Jul 10, 2023
"Rick was outstanding to work with. He helped us navigate obstacles throughout the process with patience and professionalism, always keeping us informed and on track. Highly recommend!"
Otmane A. Closed Aug 15, 2025
"Communication."
Betsey T. Closed Apr 05, 2024
"From very first message to closing, always prompt and real information and truly a Godsend! Awesome experience and would recommend to any and everyone!"
Ronald F. Closed Sep 19, 2025
"Rick and Brenda made the process quick and easy! They were always quick to respond and were on top of things. Thank you both!"
Jordyn C. Closed May 22, 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
"my husband and I are so thankful to Rick and the fantastic service him and Brenda provide! he's super patient and helpful and I am forever thankful to have found your ad! thank you thank you for getting us and our pups into our home before the holidays! 100% recommend Rick to anyone who wants a smooth home buying process!!"
Erika H. Closed Dec 03, 2022
"Rick was very easy to get a hold of and I never felt like I could not contact him which is exactly how you want to communicate with a lender. We were not passed around from one Department to another. Rick handled the whole transaction."
Lorena D. Closed Aug 31, 2023
"Rick & Brenda helped me every step of the way. Me being a 1st time homebuyer this was very important. They made this transaction very simple for me."
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