Finance by Doug

Unmatched guidance through the mortgage process, backed by a track record of exceeded expectations and knowledge cultivated from 22 years of experience.​

Want to get started right away? Click the Apply Now button below to begin your mortgage pre-approval!

Popular Loan Products

Why are we better than big banks and online lenders?

We offer wholesale interest rates.

We shop multiple lenders to get you the best loan.

We close loans quickly, typically in 20 days or less.

We do just one loan application and one credit pull.

Conventional

Conventional mortgage loans, also known as conforming loans, are backed by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac). Fannie and Freddie both have low, 3% down options with income restrictions while standard conventional loans require 5% down or more. 

The Conventional Loan limit is $548,250 in most Florida counties.

Jumbo

​Jumbo mortgages, also referred to as non-conforming mortgage loans, are intended for luxury properties and those in the most competitive real estate markets. They exceed the conventional conforming limits set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

VA

VA mortgage loans are intended to assist Active Duty Military Members, Veterans, and selected spouses in obtaining home loans with no down payment and are guaranteed by the US Department of Veteran Affairs. 

Qualified VA borrowers can receive 100% financing with no money down and, as of January 1, 2020, the loan limits have been removed.

Refinance

Already a homeowner? A Cash-Out refinance allows you to convert equity to cash, in order to pay off high-interest debt, cover home improvement costs, etc. 

A Rate-and-Term refinance, as the name implies, allows a borrower to obtain a lower interest rate or more favorable loan term. 

Realtor showing house to family.

Florida Rates

National Rates

Contact your Sovereign Mortgage LO for the latest rate information. 

A lot of people can say they care about their client, but Doug shows you. . . I've worked with a number of mortgage brokers over the years but none as honest, trustworthy, and genuine as Doug Kennell! I highly recommend him to anyone looking to purchase a home!

A lot of people can say they care about their client, but Doug shows you. . . I've worked with a number of mortgage brokers over the years but none as honest, trustworthy, and genuine as Doug Kennell! I highly recommend him to anyone looking to purchase a home!

- Matt S. (Client)

- Matt S. (Client)

As realtors, we have worked with Doug for many years. He is very professional, highly knowledgeable and has awesome communication skills!

Terri P. (Realtor)

As realtors, we have worked with Doug for many years. He is very professional, highly knowledgeable and has awesome communication skills!

Terri P. (Realtor)

Buying a condo in FL was more complicated than I had expected. Doug was very knowledgeable and helpful in guiding me through all the steps. He was also an advocate when issues arose. . . I could not have had better service. I am happy to recommend Doug.

Buying a condo in FL was more complicated than I had expected. Doug was very knowledgeable and helpful in guiding me through all the steps. He was also an advocate when issues arose. . . I could not have had better service. I am happy to recommend Doug.

- Lynne H. (Client)

- Lynne H. (Client)

Contact Us

Fill out the form below to receive a free consultation, and learn more about loan programs available.