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.
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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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"Everything was good, but at times we felt like we were being an inconvenience with questions. Then we were not told the exact cash to close until the day before closing, which put us in a bind. We ended up finding out the cash to close by the Title Company. Overall, our experience was good, I just think the communication could be a little better for first time home buyers."
Hayley J. Closed Jun 25, 2025
"A massive thank you to Rick and his team. Firstly the speed of communication at all times was exceptional, I have never experienced such great customer service. Also your ability to help us navigate through what can be a confusing process was amazing. Thank you"
Troy J. Closed Apr 30, 2025
"Thank you so much"
Joel F. Closed Jun 18, 2024
"Good communication and did a great job guiding my clients through the loan process."
Gregory B. Closed Jul 12, 2024
"Worked with me from pre approval"
Brandi H. Closed May 21, 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 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
"Thank you again for the communication throughout the entire process. It was a pleasure working with you!"