Rick Scherer
NMLS ID#102054
352-446-9422
Purchase Mortgage Loans
Thinking About Buying a Home?
We offer a range of programs and products including Down Payment Assistance (DPA), FHA, VA, USDA and Conventional loans.
No Product Overlays!
Same Day Pre-Approval!
Over 40 Years of Mortgage Knowledge!
Former Underwriting Knowledge!
Experts with First-Time Homebuyers!
Get Free Quote
Why Buying a Home is a GREAT idea!!

The benefits of owning a home instead of renting offer buyers several tax advantages, the ability to grow equity, and of course a place to call your own. It's also a feel-good milestone that offers a sense of pride and accomplishment. And, the current real estate and mortgage market conditions have created the perfect opportunity to transition from writing a monthly rent check to investing in your own home. Here are several reasons you should consider buying:

Rent will continue to rise.
Homeownership is an investment.
Predictable Monthly Payments.
Historically low rates and down payments.
Tax Deductions.

Whether you are a first time homebuyer, buying an investment property or second home, we are here to work with you every step of the way!
Conventional Mortgage Loans
Down Payment Assistance
We offer our own in-house Down Payment Assistance as well as many local and state programs. Some are First-Time Homebuyers only and other do not require that.
FHA Mortgage Loans
Low Credit Scores
Unlike most lender, we have no credit score overlays. Typically you will need a larger down payment when your scores are below 600.
VA Mortgage Loans
Low Rates
We are a direct lender and one of the largest servicer in the country. This allows us to keep our rates low for our clients!
Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303 (866) 882-8187 | NMLS ID# 17022 | For licensing information, go to: www.nmlsconsumeraccess.org | This is not a loan approval or commitment to lend, applications are subject to full review and approval, other terms and conditions may apply. This is an advertisement. Nothing in this advertisement should be construed as an endorsement or recommendation of services of any other entities or persons shown.

PHL AND THIS OFFER ARE NOT ENDORSED BY OR AFFILIATED WITH ANY GOVERNMENTAL AGENCY. THIS OFFER IS NOT BEING MADE BY ANY AGENCY OF THE US GOVERNMENT.