The Loan Doctors Team


Shawn Nelson

We would like to thank Raphael, Kimberly and everyone with the Loan Doctors team! You all went above and beyond to make our home buying experience the best one ever! Raphael was willing to work with us even before we were able to purchase our home, answering our MANY questions and concerns along the way. When we were finally able to purchase our home, Raphael’s expertise was second to none. His knowledge and experience put our minds at ease and made the process a pleasant one. We cannot thank you enough for your hard work and dedication. Thank you so much!!!!!



June 16, 2014

Nadya Gadayev

You guys the best!!!! Love working with you!!! Thank you for being there for us:)))

June 14, 2014

Trenton V Schwoebel

To The Loan Doctors,
This is my second mortgage experience with you and once again I was not disappointed. You were all very helpful and professional and I would recommend you to anyone. THANK YOU! I love my home!!!

June 13, 2014

Diana Yagudayev

Best mortgage company, professional, reliable and HONEST!!! They were able to get me approved after 2 different companies gave up on me.

June 13, 2014

Ken Petersen

When a ‘vendor’ acts as a partner just trying to add value, you know you’ve found a winner — especially in an otherwise sales-forward business.

Such was my experience with Christopher Gonzales of this company. The transaction was for a Sun City condo for my mother. I needed to get Mom pre-qualified and move the process ahead remotely. Christopher did everything needed to get that milestone accomplished so the offer could be made (and eventually accepted).

Things were a bit rush-rush on my end and I hadn’t really vetted all my options. Eventually, we decided to do a cash closing instead of securing a mortgage. through Chris’ company. While we figured that out, Chris stood by in support of our process. No sales chatter, no attitude because he was losing a possible transaction after putting in effort. Through the end, he was helpful and positive — he walked the walk of good service.

If everyone in this company comes even close to providing a similar experience, you’ll be in good hands for sure.

February 21, 2014

George & JoAnn Strickland


Words can not express how grateful we are for your professional, tiring hard work to make buying of our home possible. We shall always remember you and your Team and will pass on how The Loan Doctors made out dreams come true. The letter will be going to the Branch Manager soon. Thank you for the Wine to celebrate our new place which you and your Team made possible.

February 16, 2014

Kristopher & Cheryl Baker

Chris and Team,
My wife and I would just like to thank you for all the help you and your team gave us while qualifying us to purchase a home. From the pre-qualifying of the loan to the final signing of the loan documents, you made the process very simple. We would definitely recommend AmeriFirst Financial/Loan Doctors to anyone considering buying or refinancing a home. We felt welcome every time we spoke on the phone to showing up at your office to consult with you. Your prompt attention to keeping us updated throughout the loan process through cell phone, text, and email was superb! We look forward to working with you in the future!

Thank you again!

November 16, 2013

Cheri Somers

Hi everyone,

I am now in my 6th month of ownership and I still think of all of you at Loan Doctors for doing everything you did for me to get this home. I am very happy now, and am able to do things that I never could living in apartments.

Bless all of you for the excellent job you did and the fact that you did what no other financial institute wanted to do for me.


November 13, 2013

Mike and Ernie Graham

We wanted to take a moment to express our gratitude for Chris Gonzalez and the rest of the team at Amerifirst. My husband and I recently closed on a new home loan and we were very impressed with the thorough job that Chris did.When we first decided to buy a home we started out with two other lenders who promised they could get us approved (and one did) but before we knew it they were telling us to “clean up” our credit, and wanted us to pay someone to do it. We were confident that our credit was good and there was nothing to clean up. When we found our realtor she suggested Chris and he was able to not only get us pre-approved but for more than the other 2 lenders could do!

Chris was always available for us, returning calls and emails impressively quick and always had a professional and genuine caring attitude even when I was a bit stand offish. My husband and I were also impressed with the communication between all the others who were involved towards the end of our loan process, there was no confusion and they were thorough and quick as well.

We are grateful customers and will return to The Loan Doctors for all our loan needs as well as refer them to others.

Thank you Chris and team from Mike and Ernie Graham.

November 4, 2013

David Hart

I wanted to take a moment to thank the Loan Doctors team in assisting my wife and I in acquiring our home loan.

Some time ago I fell into the trap of the financial downfall of 2008 and had to short sell my prior home. Having said that, it was obviously detrimental to my credit. I first and foremost want to extend my gratitude to Donna Rinaldi, for without her assistance, support and guidance through my credit repair process, we would not be in our home today. Your team provides a service rarely found in your industry. They truly care about the success of your clients.

Your team will always have our gratitude for what they have helped us accomplish.

September 26, 2013

Alex Devyatov – Realtor

Great team of highly professional people. Never lost a deal with Raphael and co.


February 16, 2013

Tara Bittinger

My experience with Raphael was excellent. I work late and he was always available late afternoons and early evenings to meet. He was very thorough and always made sure that I understood all of my options. He never rushed through our meeting to “get done”. He took his time to do a thorough job. I felt very comfortable and confident with his experience and knowledge. At the closing of my house, my realtor and Title Company both commented that they were impressed with Raphael and his team’s professionalism and commitment.

August 18, 2012

Bozena Orszulak

To The Loan Doctors,
This is my second mortgage experience with you and once again I was not disappointed. You were all very helpful and professional and I would recommend you to anyone. THANK YOU! I love my home!!!

August 16, 2012

Maira Barraza

My experience with Raphael Bangiyev was wonderful. My husband and I had been pursuing our dream of becoming homeowners and had been declined in the past. We were getting very discouraged and began believing that it just wasn’t going to happen for us. Than we began working with Raphael and everything changed. He fulfilled our dreams of becoming homeowners. His knowledge is impeccable. He advised us on what to do and within months my husband credit score was higher than we ever expected it to be and we were qualified for our mortgage. Every interaction with Raphael was pleasant and he patiently educated us on the process and answered all our questions. He made us feel comfortable and always responded to our emails and returned our phone calls promptly. I would 100% recommend Raphael Bangiyev to anyone and everyone wanting to become a homeowner.


April 18, 2012