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 & 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
"provided exceptional and knowledge of this entire process that made it more palatable to go through the experience of home ownership I could not have done this without Rick and his entire team"
Christine A. Closed Mar 28, 2025
"Rick, Was very professional and communicative. He set realistic goals and exceeded my expectations. I was able to close on my first home in weeks."
Tabitha W. Closed Jul 08, 2024
"Great communication!"
Danna C. Closed May 02, 2025
"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 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
"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
"The open line of communication was way above par. I called Rick on weekends and at odd times late in the evening. He answered my calls all but once. The one time he didn't answer he called me back 10 minutes later. The loan process was very smooth and easy. Rick and his wife Brenda are an ALLSTARS team."
Gregory R. Closed Feb 21, 2025
"Rick and Brenda kept communications open with us, so when ever we had a question, we would receive an answer in a prompt fashion. Rick came through on everything he had promised, from the beginning, right up to close, and we even closed at a lower interest rate than what we expected. We would recommend his company to anyone needing a home loan."