Press Releases

Chris Doering Mortgage to Sponsor FWAA All-America Team and Steve Spurrier First Year Coach Award

Gainesville, FL – July 29, 2021 – Chris Doering Mortgage has teamed up with the Football Writers Association of America (FWAA) for the sponsorship of its 2021 Freshman All-America Team including establishing Doering’s former coach, Steve Spurrier, as the namesake of the FWAA First-Year Coach Award.

This will be the 21st straight season in which the FWAA has named a Freshman All-America Team and the 20th consecutive year for the First-Year Coach, although the first time with a namesake for the award. Notable and recent past winners include Spurrier himself in 2005 with South Carolina, Notre Dame’s Tyrone Willingham (2002), Boise State’s Chris Peterson (2006), Oregon’s Chip Kelly (2009), Florida State’s Jimbo Fisher (2010), Ohio State’s Urban Meyer (2012), Auburn’s Gus Malzahn (2013), Oklahoma’s Lincoln Riley (2017), UCF’s Josh Heupel (2018), Ohio State’s Ryan Day (2019) and Colorado’s Karl Dorrell (2020).

“Presenting this award in Coach Spurrier’s name is a no-brainer for me and for Chris Doering Mortgage,” Doering said. “Coach is on the Mount Rushmore of SEC coaches as the man who changed the way football was played in this conference. He was an amazing coach who changed the trajectory of my life as well as those of countless other players.”

Spurrier, former head football coach at Duke, Florida (his alma mater) and South Carolina, and Doering’s long standing relationship began when Doering walked on at Florida in 1991. Under Spurrier’s coaching and leadership, Doering developed into one of the greatest players in the history of the University of Florida and the Southeastern Conference, resulting in a collegiate career record 31 touchdown catches that until recently, remained the most in Florida and SEC history.

The pair would reunite as coach and player with the Washington Redskins during Doering’s 10-year career in the NFL and would remain closely associated for nearly three decades, so when the opportunity came to honor his former coach and mentor, Doering jumped at it.

“The First-Year Coach Award is perfect for Coach Spurrier because not only is he the all-time winningest coach at two different SEC schools, but he was able to win immediately at Duke, Florida and South Carolina despite not recruiting the majority of those rosters, illustrating how adept he was at connecting with his players and getting them to believe in themselves. I am humbled by the opportunity to honor Coach Spurrier for all that he has meant to college football, the SEC and to so many players like myself.”

Now a college football analyst for the SEC Network, as co-host of SEC Now, SEC Football Final, SEC This Morning, Doering also owns and operates Gainesville based Chris Doering Mortgage. The company agreed to sponsor the FWAA Freshman All-America Team with the inclusion of Spurrier as the namesake for the First-Year Coach Award.

“The FWAA is proud to partner with my ESPN colleague Chris Doering, and we’re thrilled to have Spurrier – one of the sport’s most colorful coaching personalities and success stories – as the namesake of the first-year coach award,” said FWAA President Heather Dinich. “They’re a terrific combination to help us honor the players who are only beginning to make their mark on the sport, and the coaches like Spurrier who overcome obstacles to find success during their first season with a program.”

Spurrier won the Heisman Trophy as a quarterback at Florida in 1966 and in 1986 was inducted as a player into the College Football Hall of Fame. His coaching career was equally impressive 228-89-2 as a collegiate head coach including six SEC titles and the 1996 national title at Florida. He was a seven-time SEC Coach of the Year honoree (twice at South Carolina, five times at Florida) and ACC Coach of the Year twice at Duke in the 1980’s.

FWAA Past President Mike Griffith (2007), now of Cox Enterprises, started the FWAA Freshman All-America Team in 2001 and has navigated the award through several different sponsors during the past two decades.

“Steve Spurrier is the ideal namesake for this (coaching) award, a game-changer and program maker at each of his collegiate head coaching stops,” Griffith said. “Spurrier provided his players a winning edge strategically and psychologically with his creativity and confidence, a truly unique legend of the game.”

Spurrier was chosen as the FWAA’s First-Year Coach in 2005 following his first season at South Carolina, with a 7-5 record including a berth in the Independence Bowl.

The announcement of the first Chris Doering Mortgage/FWAA Freshman All-America Team and Steve Spurrier First-Year Coach Award presented by Chris Doering Mortgage will occur in mid-January during a virtual event.

Doering and Spurrier are planning a February dinner to honor both the 2021 Chris Doering Mortgage/FWAA All-America Team and Steve Spurrier First-Year Coach. The site of the dinner in the state of Florida will be announced at a future time.


Chris Doering Mortgage, based in Gainesville, FL, was established in April of 2007 as a residential lending company serving the needs of the community with superior customer service and mortgage products including conventional, FHA, USDA, and VA loans. The branch is a division of – 3940 NW 16th Blvd., Suite A, Gainesville, FL 32605 – NMLS 70168/1937321. FHA Lender ID 2631500094. Committed to skilfully and ethically deliver the highest quality customer service throughout the mortgage process, Chris Doering Mortgage is second to none with a team of professionals that strive to exceed the expectations of clients and business partners while continually educating and adapting to the changing needs of the real estate industry. For more information, visit


The Football Writers Association of America, a non-profit organization founded in 1941, consists of more than 1,300 men and women across North America who cover college football for a living. The membership includes journalists, broadcasters and publicists, as well as key executives in all the areas that involve the game. The FWAA works to govern areas that include game-day operations, major awards, a national poll and its annual All-America teams. For more information about the FWAA and its award programs, contact Executive Director Steve Richardson at or 214-870-6516. For more information, visit


Media Contact

Chris Doering, President
Chris Doering Mortgage
(352) 244-0840

FHA Loans vs. USDA Loans: What You Need to Know

There are so many home loan programs out there when you begin to shop for mortgages. Understanding the differences can be daunting and confusing, but understanding a little about your options can be very empowering.

There are two popular home loan programs offered by government agencies: The Federal Housing Agency (FHA) and the United States Department of Agriculture (USDA). Each program has different qualifications and features. Know the differences so that you can get the best deal for your home loan.

USDA Loans

USDA loans are designed to make home buying feasible for families with lower to average income. If you are interested in buying a home in suburban or rural areas, USDA loans may be for you. There are two different types of USDA loans: Direct and Guaranteed.

Direct Loan

Direct loans are strictly for low-income borrowers. If your income level is less than 50% of the average income in your area, direct loans backed by the USDA can help. Here are some of the qualifications from the USDA:

Applicants must fall into the following categories:

  • Be without decent, safe and sanitary housing
  • Unable to get a loan from other sources
  • The home you’re buying must be your primary residence
  • Must be legally allowed to secure a loan
  • Must be a U.S. citizen or meet the non-citizen qualifications
  • Properties financed with direct loan funds must:
  • Generally be 2,000 square feet or less
  • Not have a market value in excess of the applicable area loan limit
  • Not have in-ground swimming pools
  • Not be designed for income producing activities

Guaranteed Loan

Guaranteed loans guarantee that the USDA will refund the lender in case of default. Applicants can build or purchase a home in eligible rural areas.

You can view the qualifications on our information page about USDA loans. If you have questions or think you qualify for a USDA loan, let us know and our experts will be happy to help through the home buying process.

FHA Loans

When compared to conventional home loans, FHA loans have less strict requirements. The Federal Housing Association was started in the 1930’s to help Americans get into homes.

FHA loans are an attractive option because they typically have competitive interest rates, lower down payments, lower credit requirements and higher debt-to-income ratio allowances.

To qualify you must be willing to provide your credit history and employment history, as well as other documentation.

Qualifications will be based on:

  • Housing Types, State, and County
  • Debt to Income Ratios
  • Acceptable Source of Down Payment and Closing Costs
  • Acceptable Credit History

Which Is the Right Choice?

Your financial situation is one of the biggest determinants when deciding between an FHA or USDA loan. Both loan types are great for first time home buyers, families with lower incomes, and buyers with lower credit scores.

Rely on the Experts

Navigating these choices can be difficult and it helps to have experts on your side. Chris Doering Mortgage has a team with decades of experience and fully understands how daunting it can be to secure a home loan. We will work with you and help you make the right choice. Reach out today to get started!

Let’s Hear Your Voice Contestant Winner Anounced

Chris Doering Mortgage has been a proud sponsor of the Let’s Hear Your Voice contest held for local Gainesville elementary and middle schools. Contestants were asked to submit a music video showing what a music program means to their school. There were many worthy entries, but ultimately Rawlings Elementary School won.

Their victory meant $1100 in scholarships and a chance to meet Season 13 The Voice singer, Dylan Gerard. You can see their winning entry here.

Our teammates Judd Davis and Chris Moebus were there to spend time with the victors and present their check. Congratulations to Rawlings Elementary on your fantastic victory, we were proud to be apart of it!


Chris Doering Now Co-Hosting New Show on Sirius XM’s SEC Now

Local gator great and University of Florida Hall of Famer Chris Doering will host SEC Today, airing weekdays from 3:00 to 6:00 pm ET on the new SiriusXM SEC Radio.  In an announcement today by Sirius XM, the 24/7 channel dedicated to the Southeastern Conference will go live on March 5.

“Growing up in Gainesville, I had the privilege to attend football, basketball, baseball and many other competitive SEC sporting events on a regular basis,” said Doering.  “I am very excited about the opportunity to align with the SEC and speak year round about what I feel is the best athletic conference in the country.  The SEC leads the way on so many fronts and this is just another example of their forward thinking and commitment to their fans. I am honored to be a part of the new Sirius XM channel dedicated to SEC sports.”

Doering will join co-host Chris Childers to cover the afternoon drive-time slot.  The channel lineup also includes SEC This Morning, hosted by Peter Burns and former LSU All-American Marcus Spears, a replay of SEC Network’s The Paul Finebaum Show, as well as, SEC-focused news and game coverage.

See The Full Press Release From SiriusXM

Check Out This Interview With CBS 4

Record Low Mortgage Rates Favor Buyers

How We Got Here

When the great financial recession struck in 2008, it undoubtedly left a bad taste in the mouths of every American. Whether you were seeking a new career opportunity or looking to purchase your first home, the road to accomplishing those goals has been extremely hard for nearly every single one of us. So how did we go from a historic housing market crash to record low mortgage rates? (more…)