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 and his wife Brenda were amazing an made our 1st home buying experience great. THANK YOU Rick and Brenda. From the Chavez family."
Jose C. Closed May 02, 2025
"Rick eas on spot with his advice and was always available to answer any questions no matter how many questions there were!!"
Robert S. Closed May 23, 2025
"Rick was very help and did what he promised. He got us our own home"
Michael S. Closed Feb 22, 2024
"Rick was undoubtedly the driving force behind my recent home purchase from one state to another. Back in July my rental lease was set to expire in September and I was so over paying the never ending increasing costs to rent. So I started skimming mortgage lenders, came across Rick’s company, started filling out the application and decided not to finish it. Because I didn’t want my phone ringing off the hook by 5 million different agents. Well, here comes Rick a-calling the next day. First best decision, that I’d made on my purchasing journey, was to hear Rick out. I told Rick, I don’t have a pot to piss in, (well, I didn’t say it quite like that), I don’t want to live in a shack and I want to live in Tennessee. He said okay and he’d do everything he could and than he did. He got me a loan that I could afford and he went above and beyond to keep me believing that I will never again have to pay any one else’s mortgage by renting.
Rick was the voice that I needed to keep my spirit up, my patience refreshed and my belief strong that I was on the right path. Patience is helpful and none I have. Rick was my patience. He never left it up to me, lol, with my discouraging intrusive thoughts. Rick only had more homes to view, more areas to consider, more paths to explore.
Guess what? On August 23rd, I closed on my home in an area of Tennessee that I absolutely love and it’s not a shack.
Thanks Rick!"
Stephanie B. Closed Sep 06, 2022
"Rick is the best!!"
William J. Closed Jun 14, 2024
"Rick & Brenda were consistently effective at meeting critical deadlines in the home buying process. Their service and professionalism is top notch. Super experience!"
Amanada G. Closed Mar 17, 2023
"Great experience overall. what would have made it better is if an initial call or email listing all information needed. i wasn't asked about my filing status or previous living history in the beginning."
Janet B. Closed Aug 29, 2025
"What made it so much is Rick answered every question I with professionalism, patience and courtesy."
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