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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"Very knowledgeable! Fast approval when local banks wouldn't help us. Greatly appreciated!"
Jonathan F. Closed Jun 28, 2024
"I love this mortgage."
Bie P. Closed Jan 26, 2024
"Rick was on the ball with everything. He worked fast and efficiently, and communicated well throughout the entire process."
Heather H. Closed Jun 03, 2025
"We just closed on our very first home, and we couldn’t be more grateful for the incredible experience we had with our lender. From start to finish, they made the entire process smooth, stress-free, and genuinely enjoyable. As first-time homebuyers, my husband and I had a lot of questions, and they always took the time to explain everything clearly and patiently. Their communication was exceptional, their professionalism unmatched, and their dedication to helping us find the best loan option was beyond anything we expected. They were always one step ahead, keeping us informed and supported through every phase of the journey. Thanks to their expertise and guidance, we felt confident and cared for the whole way through. We couldn’t have asked for a better partner in this huge milestone. If you’re looking for a lender who truly puts their clients first, look no further—they are simply the best"
Anthony C. Closed Dec 11, 2025
"Communication."
Betsey T. Closed Apr 05, 2024
"That’s was very quick and easy process. Thank you Rick and your team, much appreciated for your effort. I will recommend you to whoever is ready for with you."
Joseph K. Closed Apr 29, 2024
"I never thought that I would ever be able to purchase a home for myself then I found Rick on Facebook. He was so helpful and answered all my questions during the whole process. He was available anytime during the day or evening and had my loan approved quickly. I would recommend him to anyone that I know looking to purchase their new home."
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