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 is awesome and got us closed early. We are so thankful for him!"
Annabelle S. Closed May 22, 2025
"Rick was very helpful and understanding throughout my whole home-buying journey. He single handedly made it possible for me to buy a house that I loved after I had given up hope in this bleak market."
Najma A. Closed Apr 02, 2024
"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
"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
"Rick is literally the man!!!! I’ve found my new lender without a doubt. I just hate that it took me so long to realize this ?"
Mark R. Closed Apr 30, 2024
"Shout out to rick for everything he did for me got it done an answer my calls"
Thomas J. Closed Aug 22, 2025
"Excellent customer service and great communication"
Rebecca F. Closed Aug 28, 2025
"Rick Scherer and his team made this purchase a very easy and painless experience. If I find out that any of my family or friends are looking to purchase a new house I will be referencing him."
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.
This site is not approved by the New York State Department of Financial Services. This site is not intended to solicit business within the State of New York, nor can applications for properties located in the state of New York be facilitated through this site.
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