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 guy right here is amazing!
We went through a local lender and they said my credit was too bad to be on a home loan so they’d only use my husbands. We needed both incomes in order to get a house in my area so that didn't work. I saw this add pop up and wondered. He contacted me and helped me fill out forms over the phone. I was praying it wasn’t a scam as that’s a lot of info well.. he got it to where both incomes are on it and we had a higher limit than I could have dreamed about. It certainly was not a scam and we close on our perfect home in the next 2 weeks. Keep in mind we started this process August 31st. It has gone so fast and smoothly all thanks to him. Couldn’t ask for anyone better to help us on this exciting journey. Also.. he has answered all of my questions no matter how stupid they are in a very fast and honest manner
10/10 recommend"
Ashley G. Closed Sep 26, 2022
"Knowledgeable, availability I would say 24/7. He is the best."
Clement K. Closed Sep 29, 2023
"Rick and Brenda were great to work with. They answered any questions I had quicker than any other business I have worked with. I would recommend these guys to any of my family or friends looking for a mortgage!!"
James J. Closed Jun 21, 2024
"If you're a first-time homebuyer looking for a patient, knowledgeable, and incredibly flexible mortgage agent, look no further than Rick! From the very beginning, Rick made the entire process feel manageable. He was incredibly accommodating with my schedule, working around my busy days to answer questions and explain things in a way I could understand. There were times when the paperwork or terminology got confusing, but Rick never hesitated to break things down and make sure I was comfortable before moving forward. What truly impressed me was Rick's flexibility. The housing market can be unpredictable, and Rick was always willing to adjust his approach based on any new developments. He never made me feel pressured or rushed into any decisions, and he constantly offered guidance and support throughout the entire journey. Thanks to Rick's expertise and willingness to go the extra mile, I was able to navigate the homebuying process with confidence. I can't recommend him highly enough!"
Matthew B. Closed Mar 21, 2024
"Rick and Brenda were both extremely pleasant to work with, responsive when I had questions and helped complete my home purchase."
Natasha M. Closed Mar 11, 2024
"Rick is just always awesome at what he does. Get it’s done on time, communicates constantly and makes it a smooth transaction"
Karie A. Closed Aug 09, 2024
"You were very prompt answering any questions we had which was a lot since we have never bought a house before."
Lori G. Closed Mar 28, 2025
"Rick, Was very professional and communicative. He set realistic goals and exceeded my expectations. I was able to close on my first home in weeks."
Tabitha W. Closed Jul 08, 2024
"We were informed of the process from beginning to end. Rick was always available to answer questions . He helped make are dreams come true"
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