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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"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
"Rick was very knowledgeable about the process. It went through very efficiently and professionally. I am very gald we referred to his company."
Sean C. Closed Sep 04, 2025
"Rick helped us achieve our dream of being homeowners. The process and support was great"
Christopher G. Closed Mar 28, 2025
"Rick got it done with his extra help and experience"
Nathaniel C. Closed Aug 29, 2025
"The open line of communication was way above par. I called Rick on weekends and at odd times late in the evening. He answered my calls all but once. The one time he didn't answer he called me back 10 minutes later. The loan process was very smooth and easy. Rick and his wife Brenda are an ALLSTARS team."
Gregory R. Closed Feb 21, 2025
"The clear and concise communication. The quick responses to questions by email, text or when we called. They made this process easy and quick. We were even able to close on our 1st house 2 days earlier from original closing date."
Kira N. Closed Dec 19, 2025
"Rick communicated through the whole process. The whole team was very helpful went above and beyond. If we had any questions Brenda or Rick were quick to answer. They helped us through a struggle with the appraiser not doing her job. I will refer Rick to anyone."
Jordan W. Closed Sep 23, 2025
"Rick is very personable and honesty. Made sure I felt comfortable but also delivering all the necessary information for me to make the best decision for my situation. The entire team that worked on my loan were professional and kind, especially Brenda. Any minor hiccups were handled with clarity and understanding. Great experience. They made me feel like a person and not just another number."
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