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    For over 30 years, Sovereign Mortgage Investments, Inc has provided quality mortgage services to our customers in Central Florida to meet their financing needs for their new homes and residential refinance loans. We've been in business since 1994.
    The primary goal of our loan officers is to provide our clients with competitive loan products and services at the lowest interest rates in the industry.
    Whether you're applying for conventional, FHA, VA, or USDA we work directly with wholesale lenders across the country to provide our clients with competitive mortgage rates.
    We work directly with wholesale lenders across the country to provide our clients with competitive mortgage rates. Our focus is providing customers with quality service throughout the entire loan process from application to the final loan approval.
    Customer satisfaction is our primary goal, and the greatest compliment we can receive is a referral from our clients. Call (386) 668-1801 to schedule a meeting with an experienced mortgage loan officer today.
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Our Services

Home loans
Home & Construction Loans

We understand that residential property is often a life-long investment, so we connect you with an experienced mortgage broker who knows how to get you the best loan. Our loan officers are experts in mortgage brokerage and offer clients looking for homes in the Central Florida area assistance with a variety of financing matters. We provide first-time home buyer, educator, and first responder financing for home loans with 2% down payment grant funds.

Buyers also have the option to apply for loans for purchase and construction of their primary residence. Our team can work with you to find if you are eligible for a home loans for land and construction. We'll go over in detail what the stipulations of such home loans are and make certain that you are getting the best support as possible through your real estate process. Call Us Today at (386) 668-1801 for assistance with your Home Construction Loan.

Conventional loans
Conventional Loans

When helping customers apply for conventional loans, Sovereign Mortgage Investments, Inc represents both clients and lenders to gain a better understanding of the concerns and needs of each individual. We partner with 15 wholesalers across the country to make conventional Fannie Mae/Freddie Mac financing with a minimum of 3% down payment available to our clients. If you are planning on purchasing a new home, you can rely on us to answer all your questions about mortgages and refinancing.

Fha loans
FHA Loans

FHA loans are designed for borrowers with low to moderate incomes and require lower minimum down payments and credit scores than other conventional loans. Clients who opt for these types of home loans are issued a mortgage loan insured by the Federal Housing Administration (FHA) and provided by an FHA-approved lender. Government financing is available to buyers with a 3.5% down payment and VA & USDA loans with 100% financing.

Va loans
VA Loans

Sovereign Mortgage Investments, Inc offers service members, veterans, and surviving spouses of veterans with assistance determining whether they are eligible for VA loans. We specialize in construction loan financing for conventional, FHA and VA homes. The primary goal of our loan officers is to provide our clients with competitive loan products and services at the lowest interest rates in the industry. Whether you're applying for VA or FHA loans, we guarantee you the best service. It is our goal to help our military throughout the entire home buying process.

Reverse mortgage
Reverse Mortgage

A reverse mortgage allows homeowners over 62 years old to convert a portion of their home's equity into cash. The payments received from a reverse mortgage are often used by clients to supplement their retirement income. We recommend our clients speak with a private lending professional to determine whether or not this type of loan is a good option for them. Contact us at (386) 668-1801 today for more information on our customized mortgage plans.

Meet Our Team


Meet Our Team

We have mortgage loan officers working at Sovereign Mortgage Investments in the Central Florida area. Collectively, we have over 75 years of mortgage experience, and financial expertise to know EXACTLY how to provide mortgage loan products and services to best serve our customers needs. We partner with over 15 wholesale lenders across the country providing the most competitive interest rates and financing for all of our clients including A+ credit ratings for stellar Fannie Mae/Freddie Mac conventional, VA & USDA pricing, mid-range credit ratings for FHA financing with a minimum 580 credit score, and non-QM financing for customers who have less than perfect credit and/or have specialized loan criteria for portfolio lending. It is our goal to help our clients throughout the entire home process.


Theresa Hopcraft, President

Sovereign Mortgage Investments, NMLS #222681

Lic Mtg Broker NMLS #286377

Office: 386-668-1801

Fax: 407-608-1080

Cell: 407-491-2817


Douglas Kennell

NMLS # 364758

Sovereign Mortgage Investments Inc

NMLS # 222681

Office: 239-542-6224

Mobile: 239-281-8269

E-Fax: 888-239-8323


Garrett Kennell

Loan Originator - NMLS #1847048

Sovereign Mortgage Investments, Inc.



Debbie Petty

Mortgage Loan Officer/Processor

NMLS# 1761569

Sovereign Mortgage Investments, Inc


Mobile: 407-463-2348

Office: 386-668-1801

Larry Gonzalez

Florida Loan Originator

NMLS# 1816521

Sovereign Mortgage Investments, Inc.

Office: 386-668-1801

Fax: 386-960-7515

Cell: 407-467-0946


Robin Hoffman

Sovereign Mortgage Investments, Inc.

Mortgage Loan Officer - NMLS #1834095

Cell: 407-808-9121


Olivia Reese

Mortgage Loan Originator

NMLS #1520473

Cell: 386-547-8497


Ann Marie Amalfitano

Florida Loan Originator

NMLS ID: 308775

Sovereign Mortgage

Office: 386-717-2007

Fax: 877.714.6834


Andrew Rosso Baron

Sovereign Mortgage Investments, Inc.

NMLS # 391520


Phone: 386-668-1801

Cell: 407-599-7000

Fax: 407 608-1080


star star star star star

Just a little over a year ago my husband and I have been trying to get into a house for our family. It wasn't until about 2nd or 3rd month into us trying to get a home that we met Olivia. From the beginning she was easy to talk t, if I didn't understand the text I could call her and have her explain it to me verbally. To me that means a lot because I don't understand a lot of things so I always like to make sure that we're both on the same page. Olivia always made me feel comfortable. She stood by my family's side and helped us along the way to stay strong and keep on going. Olivia helped us out with Christmas and that was a blessing in itself. Most people these days don't go above and beyond other than for themselves. But Olivia would definitely go above and beyond for our family and we are forever grateful. I am glad to have had her in my life and forever thankful. She is definitely a keeper I'd give her a raise if you ask me. You just don't find people like Olivia anymore. Thank you for everything you did again for me and my family. May you always be blessed!!!

star star star star star

I could go on for a long time how great Sovereign is but all I can say is if you don't call them, you will be missing out on the greatest customer service and mortgage resources on the planet. I've owned 11 homes in 42 years and never had such a positive experience.

star star star star star

Olivia Reese was truly exceptional in providing a responsive and on time service. Well communicated, focused, and always kept you abreast of situations forthcoming. Truly appreciate her walking with me during this experience in funding my new home. Thank you Olivia.

Contact Us

100 E. New York Avenue, Suite 103DD
DeLand, FL 32746

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Sovereign Mortgage Investments, Inc Support Team


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