Business Details
21 Years
experience
Your Trusted Mortgage Partner in Gainesville, FL
Founded in 2005 by former NFL standout Chris Doering, our mortgage company combines decades of industry expertise with a commitment to personalized service. With a team of seasoned loan originators, we specialize in conventional, FHA, VA, USDA, and niche loan programs like bank statement and DSCR loans. Our Gainesville-based team prioritizes ethical practices, leveraging deep local market knowledge to guide clients through seamless homebuying and refinancing experiences.Backed by 23+ years of industry experience and a focus on community impact, we maintain transparent communication and tailored solutions for first-time buyers, investors, and everyone in between. Our leadership team's extensive background in finance, real estate, and client relations ensures every client receives strategic guidance aligned with their unique financial goals.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Bank Statement Loans
DSCR Loans
Mortgage Refinancing
Pre-Approval Services
Investment Property Loans
First-Time Homebuyer Programs
Details
- Year established: 2005
Highlights and features
- 23+ years of combined experience in mortgage lending
- Specialized loan programs for self-employed borrowers
- Proven track record with VA loan expertise
- Local market specialists serving Gainesville and surrounding areas
- Client-focused approach with 24/7 communication availability
What people say
Seamless process
Excellent communication
Quick response times
Expert guidance
Stress-free experience
Services
Conventional Loans
Private-sector mortgages without government insurance, ideal for borrowers with strong credit and 20% down payments. These loans offer competitive rates, no monthly insurance with 20% equity, and flexible term options. Our experts help clients navigate requirements including higher credit score thresholds and documentation of steady income through W-2s or pay stubs.
VA Loans
Exclusive benefits for eligible veterans featuring zero down payment requirements and competitive rates. Our specialized team streamlines the VA loan process, addressing unique challenges through direct communication with the Department of Veterans Affairs while maintaining rapid closing timelines even for complex cases.
Bank Statement Loans
Designed for self-employed borrowers using 12-24 months of bank statements instead of tax returns. This program requires minimum 660 credit scores and down payments between 10-20%, offering flexible qualification pathways while maintaining competitive interest rates for entrepreneurs and small business owners.
DSCR Loans
Cash flow-based mortgages for rental property investors using debt service coverage ratio calculations. These loans require minimum 660 credit scores and 15-25% down payments, enabling portfolio growth through simplified qualification based on property income potential rather than personal tax returns.
Mortgage Refinancing
Strategic refinancing options to reduce monthly payments, consolidate debt, or access home equity. Our team analyzes current market rates against client financial situations to determine optimal timing for rate/term adjustments or cash-out opportunities while considering long-term financial implications.
People
Chris Doering
Founder & Mortgage Expert
Former NFL wide receiver and University of Florida standout with 20+ years mortgage industry experience. Combines athletic discipline with financial expertise to lead a team focused on ethical lending practices and community impact.
Jennifer Doering
Loan Originator
Gainesville native with 18+ years real estate and mortgage experience, including commercial development and residential brokerage. Provides comprehensive market insights to first-time buyers and investors.
Cory Miller
Loan Originator
25-year mortgage veteran specializing in VA, FHA, and USDA loans. Orlando branch leader with expertise in guiding clients through complex loan programs and budget analysis.
Stephen Hartman
SC Branch Manager
Charleston native with decade-long track record in financial services and real estate investment. Focuses on first-time homebuyer education and investment portfolio growth strategies.
Krissy Rochelle
Loan Originator
12+ years mortgage industry experience with dual expertise in lending and real estate. Specializes in helping clients navigate financing options while maintaining transparent communication throughout the process.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, bank statement, DSCR, and specialized investment property loans tailored to individual financial situations.
How does your pre-approval process work?
Our pre-approval requires income verification, credit checks, and financial documentation review to determine your borrowing capacity within 24-48 hours.
Can self-employed individuals qualify for mortgages?
Yes, we offer bank statement loans requiring 12-24 months of business/personal bank statements instead of traditional income documentation.
What are your local service areas?
We serve Gainesville, Ocala, Lake City, Charleston SC, and surrounding regions with in-person and virtual closing options.
How do you handle unique homebuying situations?
Our team specializes in complex cases including investment properties, self-employed borrowers, and clients with credit challenges.
What sets you apart from other lenders?
Our combination of NFL-caliber dedication, local expertise, and personalized service creates stress-free mortgage experiences with rapid turnaround times.