Business Details
21 Years
experience
Your Trusted Mortgage Partner in Gainesville
Chris Doering Mortgage was founded on the principle of providing personalized, client-centric mortgage solutions. With decades of combined experience in the industry, our team specializes in guiding clients through the complexities of home financing with transparency and expertise. Our commitment to ethical practices and community involvement has established us as a trusted partner in Gainesville and surrounding areas. We prioritize understanding each client's unique financial situation to deliver tailored loan programs, including conventional, FHA, VA, and USDA options. Our streamlined processes and dedication to customer education ensure a stress-free experience from pre-approval to closing.As active members of the local community, we integrate our deep market knowledge into every consultation. Our team's extensive background in both mortgage lending and real estate provides clients with unparalleled insights into property investments. We maintain rigorous compliance with industry regulations while fostering a culture of continuous improvement through professional development. Our track record of successful closings and satisfied clients underscores our position as a leader in mortgage services.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Bank Statement Loans
DSCR Loans
Details
- Year established: 2005
Highlights and features
- We offer 25+ years of mortgage industry experience with personalized loan programs
- Our team maintains active real estate licenses for comprehensive property insights
- We provide 24/7 client communication through dedicated loan specialists
- Our VA loan specialists have processed $100M+ in military home loans
- We implement digital document management for secure, efficient transactions
What people say
Smooth process
Excellent service
Quick responses
Knowledgeable team
Timely closings
Services
Conventional Loans
Conventional loans provide flexible mortgage solutions for borrowers with strong credit profiles. These non-government-backed loans offer competitive interest rates and various term options. Our specialists help clients navigate down payment requirements starting at 5% while optimizing loan-to-value ratios. We focus on long-term affordability through fixed-rate structures and customized repayment plans.
VA Loans
VA loans offer exclusive benefits for eligible military personnel and veterans. Our team specializes in zero-down payment options and streamlined refinancing programs. We provide expert guidance through the Certificate of Eligibility process and ensure compliance with VA appraisal standards for improved approval rates.
Bank Statement Loans
Bank statement loans cater to self-employed professionals and business owners. We verify income through 12-24 months of personal or business banking records. Our underwriting process accommodates variable income streams while maintaining competitive rate structures for qualified applicants seeking flexible documentation options.
DSCR Loans
DSCR loans evaluate rental income potential for investment properties. Our specialists calculate debt service coverage ratios to determine qualifying loan amounts. We offer tailored solutions for real estate investors building diversified portfolios with down payment options starting at 15% and scalable terms.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payment requirements. Our team facilitates 3.5% down payment options while guiding clients through mandatory mortgage insurance requirements. We specialize in property condition assessments to ensure compliance with FHA appraisal standards.
People
Chris Doering
Founder & Mortgage Specialist
Former NFL player and University of Florida graduate with 20+ years mortgage experience. Hosts ESPN college football analysis shows while leading Gainesville's top mortgage team.
Candi Curtis Mann
Loan Originator/VA Specialist
25-year real estate veteran and former UF cheerleading coach specializing in VA loans. Holds dual FL/GA licenses and leads 'Team Home Sweet Home' with her daughter Lacey.
Kristen Little
Loan Originator
15-year industry expert since 2008 with specialized knowledge in first-time buyer programs. Active arts community member and local mortgage market analyst.
Stephen Hartman
SC Branch Manager
Charleston native with 10+ years financial industry experience. Real estate investor and USC graduate managing Lowcountry Legacy Team operations.
Krisnia LaFuente
Loan Originator
Former hair industry professional turned mortgage expert post-2020. Specializes in first-time homebuyer education and cross-industry client support.
Questions
What mortgage loan types do you specialize in?
We specialize in conventional, FHA, VA, USDA, bank statement, and DSCR loans with tailored solutions for self-employed individuals and real estate investors.
How does the pre-approval process work?
Our pre-approval requires credit verification and financial documentation to determine qualifying loan amounts. This process provides concrete budget parameters for home shopping.
Can self-employed borrowers qualify for mortgages?
Yes, we offer bank statement loans that verify income through 12-24 months of business or personal banking records for self-employed applicants.
What credit score is required for mortgage approval?
Minimum 660 score applies for bank statement and DSCR loans, while conventional programs typically require 680+. Our team works with all credit profiles.
How long does the mortgage process take?
Average closing time is 30-45 days depending on loan type. VA loans may close faster through our streamlined documentation process.
Do you offer jumbo loan options?
Yes, our conventional loan programs include jumbo financing options with specialized underwriting for high-value properties.
