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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"They were so nice and easy to work with and kept me Informed the whole process all the way up to closing. Great people and company."
Timmithy T. Closed Oct 31, 2025
"Rick and Brenda are the dream team! This transaction was a little bit of a doozy needing two re-inspections prior to closing. The most recent one the day before closing day! Not only did we get everything done in time on my end but Cleared to closing only a couple hourse after re-inspection. God sent these two, I tell ya."
Mykela S. Closed Apr 29, 2024
"Everything from start to finished .it was a wory free experience"
Luis R. Closed Jan 12, 2024
"Rick answerd my questions quickly and was always nice. i Knew what was happening every step of the process and never had to wonder where we were in the process highly recommend!"
Amber E. Closed Mar 24, 2025
"Rick was great with communication. He was on top of everything, ready to go on his end before we had everything in place. Would definitely recommend him to others."
Brian L. Closed May 30, 2025
"This has been the quickest, easiest experience ever. I highly recommend anyone to contact Rick and his team. They made my dreams come true so quickly it felt like it wasn't even real. Professional, efficient, and working hard to help you through a stressful, scary process. This experience has been unlike anything I have ever been through, read about, or even heard of from others I know. If you want a new forever home, Planet Home Lending is the ONLY way to go!"
Melissa B. Closed Sep 26, 2025
"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
"Communication."
Betsey T. Closed Apr 05, 2024
"Rick and his wife Brenda were amazing an made our 1st home buying experience great. THANK YOU Rick and Brenda. From the Chavez family."
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