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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"I had other mortgage experiences that were unprofessional. But, with Rick the process was seamless!!! Rick's knowledge and expertise are top notch and he will be my number one referral from now on!!!!"
Cynthia L. Closed Aug 15, 2025
"Working with Rick was very easy. He was always quick to respond to any questions I had. And being the first time I've bought a home, I had a lot of questions. I would absolutely recommend Rick for anyone looking to buy a home!"
Jessie W. Closed Jul 28, 2025
"It was no pressure and stress. Rick made it an amazing experience. Any future business I would gladly do through Rick."
Bazil H. Closed Jun 11, 2024
"Rick & Brenda Scherer are heaven sent. We are so grateful for helping us to achieve our dream to become homeowners. They are super quick to respond on any questions we might have, even late night, Rick made sure the process runs smoothly and always a step ahead. AXIA is lucky to have an asset such as you both in the company. I will be referring them to my friends and family. Again, from the bottom of my heart. Thank you so very much."
Gladhies A. Closed Mar 15, 2024
"Don't even know where to start we have been in the process for a few years now getting credit where it needs to be, having a bankruptcy a few years back buying a home seemed almost impossible. I found rick on Facebook and was very skeptical at first but once I talked to him I knew he knew his stuff. He walked me and my wife through the whole process and answered any questions I had in a very timely manner. I have spoken to several other lenders and honestly when my credit wasn't quite there they honestly lost interest. Rick helped from literally getting our credit to where it needs to be to the whole process all the way to closing. Not gonna lie it was the most stressed month I had in my life but he made it all make sense and helped us through it. Rick and Brenda were honestly the best and I couldn’t of asked for more decent people to handle my mortgage. I'm not the one to do reviews but this whole scenario is so worth the review. If your at that point of wanting to buy and are skeptical if your gonna be able to, get ahold of Rick he will make it happen I promise! Thanks Rick and Brenda!! Wes and Kim"
Wes S. Closed Jan 04, 2023
"This was our second home purchase and I was dreading it but Rick and Brenda at Planet Home Lending made the process so easy! My questions were answered in such a timely manner and always so nice in explaining the process. Very happy! Thank you so much!"
Kim L. Closed Jul 31, 2025
"Rick provided fast and reliable service to make the homebuying experience easier."
Gwendylynn W. Closed Jul 14, 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
"Rick is a great and easy person to work with he breaks it down for you and works with your schedule not stressful at all highly recommend him this was my first time buying he made it very easy."