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
"As a first time homebuyer, the process was very smooth. Rick informed me pretty much about everything in the application process and was very easily accessible. He was courteous and provided a lot of clarity on what to expect."
Vijay G. Closed Jul 02, 2024
"Shout out to rick for everything he did for me got it done an answer my calls"
Thomas J. Closed Aug 22, 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
"I had other mortgage experiences that were unprofessional. But, with Rick the process was seamless!!! Rick's knowledge and expertise are top notch and he will be my number one referral from now on!!!!"
Cynthia L. Closed Aug 15, 2025
"From day one. Rick answered his phone right away. I was shocked to learn that he was so honest and personable about his business. You simply do not find that anymore. He always made himself available to me and if he didn't answer he always returned my calls. Same with emails. He walked me through the process step by step. I highly reccomend him!"
Michael H. Closed Oct 31, 2025
"Rick was there to answer any questions we had and helped getting into apps that we didnt know anything about. He is very friendly and informative. I would not hesitate to recommend him to any looking to buy or refinancing a home. Rick worked with us every way possible. I thank him alot. Cheryl A Mickle"
Cheryl M. Closed May 03, 2024
"Rick and his team did a great job keeping me informed of all steps, even during some hurdles. Would recommend to anyone looking for a mortgage company and use them again!"
Chelsea H. Closed Jul 29, 2025
"Rick is very knowledgeable about the process and explained every step, he even assisted me in how or where to find important documents needed. I am very happy with my overall experience. Thank you for everything you did to help me through the process."
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