Rick Scherer
NMLS ID#102054
352-446-9422
Home Ownership
STARTS HERE
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.
The Right Tools to Help you Every Step of the Way
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!

Apply Today


How Much Can you Afford?

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.

Purchase Power
Loan Details
Loan Type
Loan Term
Purchase Price
$
.00
Down Payment
%
$
.00
Interest Rate
%
+Advanced
Monthly Payment Breakdown
Your Payment:
$1,516.92

Priciple & Interest:
$1,258.59

Property Taxes:
$166.67

Insurance:
$91.66
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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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.