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 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
"I was nervous, scared, terrified maybe, even going into this. A single mom of 4 boys I had no idea what I was getting myself into really. I just knew I needed guidance. That’s when I came across Rick and Brenda. They made the home buying process seem so easy and got us in our new home before Christmas just like we prayed for! It was an honor and blessing! I would recommend them over and over again! 5 stars all day long!"
Tamela S. Closed Dec 19, 2022
"Rick provided support and pertinent i information in a timely manner. He was very informative in guiding us through the home buying process."
Shawna F. Closed Sep 05, 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
"I highly recommend Rick Scherer he is incredibly knowledgeable and took the time to understand my needs. He helped explore different loan options and find the perfect fit for my financial situation. I worked with mortgage Lenders in the past but Rick is the one of the best in this business and I can't thank him enough. The team , especially Brenda was supportive and professional, ensuring confidence in decisions. Their expertise are invaluable in navigating the mortgage process. They made the process smooth and easy. They were quick to respond to every email and call, keeping the process moving we definitely need more people like you in this world."
Snezana B. Closed Jun 12, 2025
"Very helpful always answer the phone when questions are needed good guy right here 100% honest man great to work with"
Marcus C. Closed Aug 16, 2024
"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."
Keith W. Closed Dec 09, 2025
"Rick is awesome and got us closed early. We are so thankful for him!"
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