Press Releases

Steve Spurrier Honored at Inaugural Nick Saban Legacy Awards

Chris Doering was honored to attend the inaugural Nick Saban Legacy Awards in Birmingham, Alabama, on May 2, 2022. Presented by the Monday Quarterback Club, The Quarterbacking Children’s Health Foundation, and Coach Nick Saban, Steve Spurrier, and the late Eddie Robinson of Grambling State were awarded.

The award was established to honor the lifetime achievements and lasting impact of noteworthy college football coaches and their contributions to the game. Spurrier, a Heisman Trophy winner and former head coach at Duke University, the University of Florida, and the University of South Carolina, led Florida to a national championship in 1996 and 6 SEC championship victories. Teams under Spurrier were SEC Eastern Division champions 8 times, and his overall head coaching record was 217-79. Named ACC Coach of the Year twice and SEC Coach of the Year 7 times, he is credited with developing players like Danny Wuerffel, Chris Doering, and Emmitt Smith, as well as countless coaches.

Of Spurrier’s legacy, Saban said, “We need personalities in this profession. We need characters. We need people who inspire people to be interested in our game, and there’s no bigger personality, no bigger character that ever did that in my mind than Steve Spurrier, and he does not get the credit for the impact that he had on the game. He revolutionized the game that you see right now.”

Steve Spurrier First-Year Coach Award Winner Announcement

Gainesville, FL – January 17, 2022 – Tennessee coach Josh Heupel and South Carolina coach Shane Beamer are the co-winners of the Steve Spurrier First-Year Coach of the Year Award presented by the FWAA and Chris Doering Mortgage.  Spurrier was known for his innovation as a College Football Hall of Fame quarterback and coach, so it seems only fitting Spurrier would get creative in his first year as the namesake for the award.

“Well there are two coaches this year because they are both very deserving,” Spurrier said. “Preseason, their teams were picked next to Vandy at the bottom of the league, 12 and 13, but instead of gloom and doom they took their players and improved every game and both finished 7-6.”

It’s the second time the 43-year-old Heupel has won the award, which began in 2001 but is in its first year being sponsored by Doering and named after Spurrier.  Heupel, like Spurrier a former All-American quarterback in his day, was the FWAA First-year Coach of the Year at Central Florida in 2018.

Tennessee achieved a winning record coming off a 3-7 campaign that ended with the previous coach fired and the program under the cloud of an NCAA investigation.  The Vols lost 38 players off the previous team, including seven former starters to the portal, and Heupel went to work in a rapid reload circumstance.

One of the ways Heupel rebuilt Tennessee into a winning program was with a lightning-fast offense, that at times averaged more snaps per minute than any other Power 5 program.  Former Virginia Tech quarterback Hendon Hooker helped lead the way with 2,945 yards passing, 31 touchdowns and just three interceptions as Tennessee improved its scoring from 21.5 points per game in 2020 to 39.3 this season.

The Vols’ 6,174 total offensive yards in 2021 are the most in program history, eclipsing the previous mark of 5,794 set by the 1997 team led by Peyton Manning.

Beamer, son of celebrated Virginia Tech coach Frank Beamer, is the second South Carolina coach to win the award.

Spurrier actually won the award in 2005 in his first season leading the Gamecocks.

Beamer, 44, took over a downtrodden South Carolina team coming off a 2-8 campaign.  The Gamecocks scratched and clawed for each victory, from the time projected starting quarterback Luke Doty suffered a foot injury in August.

That led Beamer to get creative, perhaps in the spirit of Spurrier, and use graduate assistant coach Zeb Noland at the quarterback position.  When Noland went down with an injury, former St. Francis (Pa.) QB Jason Brown took over and led South Carolina to landmark wins over Florida and Auburn in his four starts.

Beamer’s QB rotation wasn’t finished: Dakeron Joyner, a quarterback in high school who played receiver at South Carolina, lined up under center in the bowl game against North Carolina.  Joyner won MVP honors as the Gamecocks beat the Tar Heels 38-21 in the Duke’s Mayo Bowl in Charlotte for the program’s first bowl win in four years.

South Carolina, notably, became only the second program in history to win games with four different quarterbacks in one season (Utah State, 2014).  Spurrier was impressed with Tennessee’s explosive offense all season, and then he was among the first to congratulate Beamer after the bowl win.

“It’s extremely important for coaches in their first year that they come in with no excuses,” Spurrier said. “They don’t say give me two or three years, they eliminate excuses, they take the team they got and add to it the best way they can, and they go out and compete.”

That’s what Spurrier did at all three Power 5 programs he led in his career.

Spurrier began his college head coaching career at Duke in 1987, where he had previously served as offensive coordinator from 1980 to 1982.

The Blue Devils improved from 4-7 to 5-6 in his first season, and by the time Spurrier left Durham in 1989 he led his team to a co-ACC championship title.

Spurrier’s turnaround at Florida was immediate in 1990, as he took a Gators’ bunch that was 7-5 in 1989 to a 9-2 season and a finish atop the SEC in his first year.

Spurrier led his alma mater for the next 11 years, winning six SEC championships and the 1996 national championship. He was also a five-time winner of SEC Coach of the Year during that time span.

After a brief stint in the NFL, Spurrier took over South Carolina in 2005 and led the Gamecocks to a 7-5 season that included wins over Florida and Tennessee in the same season for the first time in program history.

“It’s an honor and a privilege to sponsor the naming of the First-Year Coach Award for Coach Spurrier,” said Doering, former player for Spurrier in both college and NFL and currently a football analyst for SEC Network. “He was successful as a first-year coach at three different programs and he took great pride in each, assuming the reigns, immediately creating a culture that staff and athletes want to be a part of and achieving success in those efforts, that’s the very definition of this award.”

ABOUT FOOTBALL WRITERS ASSOCIATION OF AMERICAFounded in 1941, the Football Writers Association of America consists of journalists, broadcasters, publicists, photographers and key executives in all areas of college football. The FWAA works to govern media access and gameday operations while presenting awards and honors, including an annual All-America team. For more information about the FWAA and its programs and initiatives, contact Executive Director Steve Richardson at 214-870-6516 or


Chris Doering Mortgage, based in Gainesville, FL, was established in April 2007 as a residential lending company providing 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. For more information, visit



Mike Griffith, Freshman All-America Committee Chairman

Football Writers Association of America

(770) 845-3244

Freshman Player of the Year Award Winner Announcement

Gainesville, FL – January 17, 2022 – Record-breaking Georgia All-American tight end Brock Bowers has been named the recipient of the fourth annual FWAA Freshman of the Year presented by Chris Doering Mortgage.

“I think this guy is one of the premier players in college football,” Alabama coach Nick Saban said in the days leading up to the CFP Championship Game at Lucas Oil Stadium last Monday.

“I know he’s just a freshman, but this guy’s got great size, he’s a good blocker, physical and he’s tough,” Saban said. “He’s got wide receiver skills in every way, shape or form, which makes it difficult being a bigger guy for bigger guys to cover him and it makes it also difficult for smaller guys to cover him.  So this guy is just a phenomenal football player all the way around.”

The unquestioned most valuable player on the Georgia offense, Bowers led the Bulldogs with 56 catches for 882 yards and a program-record 13 receiving touchdowns.

“He’s really dynamic,” Michigan defensive coordinator Mike MacDonald said before Georgia beat the Wolverines in the CFP Semifinal Orange Bowl, 34-11. The thing that they do with him is he can play — he really plays every position. He’ll play the Z, the Y, the X, the move guy, the down guy. They’ll give it to him on reverses, screens. It’s pretty impressive.”

Bowers, who scored touchdowns in each of the last five games of the season, is the first player from Georgia and first tight end to win the award. A 6-foot-3, 230-pounder from Napa, Calif., Bowers came advertised with a 40-inch vertical leap and 4.5-second speed in the 40-yard dash.

UGA offensive coordinator Todd Monken knew what he had in Bowers even before the season started.

“You can hand the ball to him if you want to,” Monken said in August. “In his high school film, he played some fullback, in terms of route running. He’s another guy that’s a really diligent worker, he’ll run himself into the ground with how hard he works, runs and competes.”

Coach Kirby Smart chuckles when looking back at how the Bulldogs recruited him, largely off video during the COVID-19 pandemic.

“This was a guy that would put his phone up and go run up a mountain or a hill out in Napa,” Smart said, “and sprint up the hill and back down the hill and send video of it. Like he was wired differently.”

Bowers led Georgia with 6 catches for 43 yards in a season-opening 10-3 win over Clemson a clash of then-Top 5 teams.  The next week, against UAB, Bowers showed speed that isn’t often associated with the tight end position, catching a short pass and taking it 89 yards against the UAB defense..

The former five-star talent continued to be the go-to guy for Georgia throughout the season, recording a season-high 10 catches for 139 yards and a TD in the Bulldogs’ first meeting with Alabama in the SEC title game.  Bowers proceeded to spark Georgia’s win over Michigan with three catches on the opening drive, including a 9-yard TD catch to open the scoring.

Bowers, the SEC Freshman of the Year and Newcomer of the Year, capped off his season in the 2022 CFP National Championship with a 15-yard score that gave Georgia a 26-18 lead en route to its first national title in 41 years.

“Today’s football is about creating matchup advantages for the offense and there’s no bigger matchup advantage than Brock Bowers,” said Chris Doering, former player, SEC Network football analyst and corporate sponsor of this year’s award. “His size, speed, strength and athleticism make him incredibly versatile. Georgia was able to move him around all over the field to create those matchup advantages that paid dividends all season long including in the biggest games at the biggest moments. It’s hard to believe Bowers was in high school last year as his acclimation to college football and the SEC seems to have been seamless.”

Previous winners of the FWAA Freshman of the Year Award winners have been: Trevor Lawrence (Clemson, 2018); Kenny Gainwell (Memphis, 2019); Will Anderson (Alabama, 2020).


Chris Doering Mortgage, based in Gainesville, FL, was established in April 2007 as a residential lending company providing 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. For more information, visit


Founded in 1941, the Football Writers Association of America consists of journalists, broadcasters, publicists, photographers and key executives in all areas of college football. The FWAA works to govern media access and gameday operations while presenting awards and honors, including an annual All-America team. For more information about the FWAA and its programs and initiatives, contact Executive Director Steve Richardson at 214-870-6516 or




Mike Griffith, Freshman All-America Committee Chairman

Football Writers Association of America

(770) 845-3244

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!