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 wonderful! Always available, made it easy!"
Jessia B. Closed Aug 15, 2025
"Rick answered all the question we had quickly and profession. Most importantly, when we were ready to close early he knew immediately that we were clear to close a week early. No hesitation! I had complete confidence that the transaction would close. This is not always the case."
Kenneth P. Closed Jan 19, 2024
"The service we received from Rick Scherer was very professional and helpful. He responded to every question we had in a timely and professional manner and he always made us feel like we were his only clients"
Dale W. Closed Mar 11, 2025
"I was nervous, scared, terrified maybe, even going into this. A single mom of 4 boys I had no idea what I was getting myself into really. I just knew I needed guidance. That’s when I came across Rick and Brenda. They made the home buying process seem so easy and got us in our new home before Christmas just like we prayed for! It was an honor and blessing! I would recommend them over and over again! 5 stars all day long!"
Tamela S. Closed Dec 19, 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
"Very easy to work with and resposive."
Paul W. Closed Sep 26, 2025
"Good communication and did a great job guiding my clients through the loan process."
Gregory B. Closed Jul 12, 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
"This guy will do anything and everything to make sure your purchase and loan go smoothly."
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