Whether you're looking to purchase or refinance your existing home, let our experts find your best loan option. 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 In-House Down Payment Program that has more flexible guidelines and lower 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 made it simple, and that matters. He gave a list of what was needed and made our first home buying experience pleasent and hassle free!"
Jessica S. Closed Apr 15, 2025
"After being turned down by another lender for a smaller amount, Rick was able to get me and my family into a gorgeous home for more than what we expected we could ever get. I cannot say enough good things about this man. He is on the ball with communication and honesty. Helped us from start to finish no matter what we needed or what questions we had. I’m sure he was glad to be done with our loan anyway, i 100% recommend him. He is so knowledgeable about everything and that really helped the process go smoothly."
Albert V. Closed Oct 23, 2022
"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 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
"Working with Rick Scherer has always been easy and his communication is always clear. Based on my experience, I highly recommend him. 10 out of 10!"
Melissa L. Closed Mar 15, 2024
"This was a complicated and very difficult transaction to wade through. However, Rick and his team did outstanding in getting our client to the closing table near our contract date. I will highly recommend Rick !"
Lorraine F. Closed Jul 19, 2024
"Very good communication, helpful insights and very pleasant to work with"
Richard S. Closed Aug 08, 2024
"Rick helped me so much! My original company was just awful. They were very unorganized & have me no information or help. Rick managed to fix all the damage they did & wouldn't let me give up. I wouldn't have my house if it weren't for him."
Christina Y. Closed Nov 19, 2022
"Rick was pleasant to work with , very friendly and hard working . He was able to help us accomplish our goals . Highly recommend !"
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.
