Your Reliable Partner in Home Ownership

5 stars icon - reviews - Alex Doce

“Look no further”
Daniel Gomez from Miami, FL

Why Work With Alex Doce?

Alex Doce - Florida Mortgage Lender
5 stars icon - reviews - Alex Doce

“Alex Doce is an exceptional
mortgage lender to work with!!”

Jacqueline P. New York, NY

5 stars icon - reviews - Alex Doce

“The experience, professionalism and efficiency I experienced working with Alex Doce at The Doce Group was unparalleled.”

Ricky Z. Miami, FL

5 stars icon - reviews - Alex Doce

“To call Alex amazing would be an understatement. I’ve never worked with anyone as knowledgeable and well-prepared.”

Kay P. Prior Lake, MN
5 stars icon - reviews - Alex Doce

“Alex and his team were awesome. He was so patient with me throughout the entire process.”

Cori S. Miami Beach, FL

Why Take Chances With Your Mortgage Lender When Financing a Home?

With over 36 years of experience as a mortgage lender in Florida, Alex has successfully helped more than 7,000 individuals and families finance their homes nationwide. Alex is currently the Branch Manager at the Doce Group at First Community Mortgage, where he leads a team of dedicated professionals who share his passion for helping people achieve their homeownership dreams. First Community Mortgage is the only two-time winner of the Mortgage Bankers Association’s Residential DEI Leadership Award for Market Outreach Strategies

In short, Alex is reliable, knowledgeable, honest, and efficient. His expertise and excellent communication deliver the best experience a borrower could have.

Join Alex’s long list of satisfied clients and contact Alex today.

Personalized Mortgage Loan Solutions

Comprehensive Expertise and Service

Client Satisfaction and Referrals as Success Metrics

Steps to close on your home loan

Six Easy Steps to close on your loan with us.

Additional Resources

Why Choose The Doce Group As Your Mortgage Lender?

Buy a Home with Confidence

Get a Loan Quickly

Personalized Refinancing

Competitive Rates

Hassle Free Mortgages

Simplifying the mortgage lending process is our specialty, taking the burden off your shoulders.

Competitive Rates

Easy Mortgage Process

Available 7 Days a Week

Alex Doce
Your Lender for Life™

homes financing

FAQs

  • Pre-Approval: Understand your borrowing capacity.
  • Application: Complete a mortgage application with a mortgage lender.
  • Documentation: Provide necessary documents like income proof and ID.
  • Credit Check: Conducted by the lender.
  • Appraisal and Inspection: Required for the property.

Depends on the loan: 0% (VA and USDA), 3.5% (FHA), 5-20% (Conventional).

Varies based on credit score, loan type, term, and market conditions. Rates are subject to change.

Higher scores typically lead to better rates and terms. Lower scores may face higher rates.

Programs like HomeZero and several State programs offer down payment assistance and favorable terms for first-time buyers.

Identification, Social Security number, proof of income, bank statements, employment verification, credit information, property details.

Usually 15 to 25 days, but can vary.

  • Benefits: Lower interest rates, reduced monthly payments, shorter loan terms, access to home equity.
  • Process: Similar to a standard mortgage application. Evaluate if refinancing costs are offset by the benefits.
  • Conventional Loans: Not federally insured.
  • FHA Loans: Lower credit requirements, insured by the FHA.
  • VA Loans: For veterans, often no down payment.
  • USDA Loans: For rural areas, sometimes no down payment.
  • Adjustable-Rate and Fixed-Rate Mortgages.
  • Non-QM Loans
  • Credit Score: Typically 620 or higher for conventional loans, and 580 for FHA loans
  • Debt-to-Income Ratio (DTI): Preferably below 43%.
  • Employment History: Stable for the last two years.
  • Proof of Income: W-2s, pay stubs, or tax returns.
  • Down Payment: Varies by loan type.
  • Property Appraisal: To ensure the property value supports the loan amount.
The Doce Group