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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"we have purchased 6 homes in the past and this was our first with Rick. It was the best loan process we have ever had from start to close. We will use Rick from now on."
Robert P. Closed Jan 02, 2026
"We just closed on our very first home, and we couldn’t be more grateful for the incredible experience we had with our lender. From start to finish, they made the entire process smooth, stress-free, and genuinely enjoyable. As first-time homebuyers, my husband and I had a lot of questions, and they always took the time to explain everything clearly and patiently. Their communication was exceptional, their professionalism unmatched, and their dedication to helping us find the best loan option was beyond anything we expected. They were always one step ahead, keeping us informed and supported through every phase of the journey. Thanks to their expertise and guidance, we felt confident and cared for the whole way through. We couldn’t have asked for a better partner in this huge milestone. If you’re looking for a lender who truly puts their clients first, look no further—they are simply the best"
Anthony C. Closed Dec 11, 2025
"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
"Rick is the best!!"
William J. Closed Jun 14, 2024
"As first time buyers our whole experience went great!"
Jorge N. Closed Sep 26, 2025
"Great communication!"
Danna C. Closed May 02, 2025
"Rick is the real deal! He was thorough, prompt, responsive and very honest. A first rate mortgage officer who knows his stuff! I can’t recommend Rick enough; if you think you can’t get approved, call Rick before you throw in the towel!"
Jerrell B. Closed Nov 22, 2022
"The quick responses, everything was done in a timely manner. They were the best with the pre approval odds."
Benjamin P. Closed Oct 20, 2025
"Great people to work with. Kept me updated throughout the entire process."
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