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 awesome and got us closed early. We are so thankful for him!"
Annabelle S. Closed May 22, 2025
"Very good communication, helpful insights and very pleasant to work with"
Richard S. Closed Aug 08, 2024
"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
"I’m a travel nurse, who had taken a few years away to raise my kids. I had been back six months. The other lenders were requiring a year despite fha saying six months given the years prior to the break.
Rick is a very determined guy and I knew from the start, if anyone would get it done, it would be him.
Initially I got the preapproval for conventional with 10% down. Which was rather heartbreaking as I’d had my mind set on FHA.
A couple weeks before close, Rick got us approved for FHA!!
I type this while sitting in my new home.
Do the application. You won’t regret it!"
Phoenix T. Closed Nov 12, 2022
"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
"While the Lender was an amazing team to work with we had alot of trouble with the whole closing process. I do appreciate everything that Rick and his team did to help us"
Robin L. Closed Aug 31, 2023
"The communication was excellent! They made the process less stressful for me and fast! I would highly recommend!! They definitely deserve 5 star!! "
Tammi B. Closed Jun 27, 2025
"It was just so easy and moved along very quickly"
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