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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"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
"Rick answered my calls when I called. Explained things well and gave sound advice"
Justin B. Closed Aug 09, 2024
"Everything went smoothly, thank you"
Robert L. Closed Jul 31, 2025
"Open communication."
Mark C. Closed Jul 24, 2023
"Rick alway answers the phone and keeps you informed throughout the entire process. He has a wide variety of loan products, making him a good fit for buyers at any price point."
Tiffany B. Closed Feb 23, 2024
"The clear and concise communication. The quick responses to questions by email, text or when we called. They made this process easy and quick. We were even able to close on our 1st house 2 days earlier from original closing date."
Kira N. Closed Dec 19, 2025
"Rick was very help and did what he promised. He got us our own home"
Michael S. Closed Feb 22, 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
"Worked with you once before. Petie recommendes you all."
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