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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"I am a realtor in SC and had never used Rick. I had this elderly couple that I had sold their home and under contract for a new home based on their lenders approval. Less than 2 weeks from closing their lender dropped the ball. I sent them to two different agents that could not get it done. I was referred to Rick by another agent, gave him a call. He jumped on the file had been approved, through underwriting, and at the closing table on time. And today’s market that is unbelievable, I will always be loyal to Rick. He did an amazing job and pulled a miracle out of the sky. I have sent his number to several other agents. Thank you Rick for a fabulous experience."
Natalie M. Closed Mar 08, 2024
"You and your team were very quick, cooperative and on top of everything. I am completely grateful and satisfied."
Fatima Z. Closed Jun 27, 2025
"thank you for your help kindness"
Eli S. Closed Sep 05, 2025
"Rick and Brenda went above and beyond for me and even worked on the weekend to get everything done for my loan. Very easy to close with as well. Always took my calls and answered my questions. Very grateful and thankful."
Shane D. Closed Aug 19, 2025
"Rick and Brenda made the process quick and easy! They were always quick to respond and were on top of things. Thank you both!"
Jordyn C. Closed May 22, 2025
"This guy will do anything and everything to make sure your purchase and loan go smoothly."
David W. Closed Aug 22, 2025
"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 there to answer any questions we had and helped getting into apps that we didnt know anything about. He is very friendly and informative. I would not hesitate to recommend him to any looking to buy or refinancing a home. Rick worked with us every way possible. I thank him alot. Cheryl A Mickle"
Cheryl M. Closed May 03, 2024
"Rick went above and beyond to help our family with pre-approval all the way to closing. We were actually able to close 10 days earlier than planned which means start to finish took less than 30 days!! We highly recommend Rick and Brenda. We are officially homeowners thanks to all their hard work!!"
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