(305) 900-2012

Your Reliable Partner in Home Ownership

The Doce Group

Why Work With Alex Doce?

Alex

4.98

375+ Experience Reviews

5.0

165+ Zillow Reviews

5.0

80+ Google Reviews

4.8

45+ Yelp Reviews

5.0

30+ FaceBook Reviews

stars five

“Look no further”
Daniel Gomez from Miami, FL

375+ Experience Reviews

165+ Zillow Reviews

80+ Google Reviews

45+ Yelp Reviews

30+ FaceBook Reviews

It is possible to finance real estate without Alex Doce, It's just much harder

With over 36 years of experience, Alex Doce has helped over 7,000 clients finance their homes nationwide.

As the Branch Manager at The Doce Group, Alex leads a team dedicated to helping people achieve homeownership dreams. First Community Mortgage, the only two-time winner of the Mortgage Bankers Association’s DEI Leadership Award, provides a reliable and efficient service. Trust Alex’s expertise and excellent communication for the best borrowing experience.

Join his satisfied clients and contact Alex today.

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

Ricky Z. Miami, FL

Personalized Mortgage Loan Solutions

We emphasize an individualized approach for your needs, recognizing the significance of each mortgage loan transaction. As one of the best mortgage lenders in Florida, we cater to your unique concerns.​

Comprehensive Expertise and Service

Assisting you in achieving your financial goals though leveraging our knowledge, expertise, experience, and resourcefulness, coupled with exceptional customer service.​

Client Satisfaction and Referrals as Success Metrics

We view client satisfaction and referrals as the primary indicators of our success. Your positive client experiences and outcome is our goal.​

stars five

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

Jacqueline P. New York, NY

stars five

“Alex and his team worked hard on making the impossible, possible for me. I was able to close on two separate loans in less than 30 days.”

Patricia B. Flushing NY

stars five

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

Kay P. Prior Lake, MN

stars five

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

Cori S. Miami Beach, FL

Past Performance Is No Guarantee Of Future Success... But What Else Can You Go By?

Lowest Rate

First-Time Home Buyer Programs

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Up to 100% financing.
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Lower mortgage insurance options.
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Finance single or multi family units.
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Access to lower rates.

Most Popular

Conventional Loans

Verified Pre Approval

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Fast Closings.
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Competes with cash offers.
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Win against higher offers.
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$5,000 guarantee to seller.
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Close within 14 days.

Most Flexible Terms

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Low or NoDown Payment
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Low Credit Score Requirements
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No Income Limits
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Low Down Payment for 1-4 unit homes
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Higher debt to income ratios to 57%

100% Financing

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Buy a home with no money down.
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FICO scores as low as 600
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Do not need to be a first time home buyer
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No income limits
home zero loan

For Large Loan Amounts

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Higher loan amounts.
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Access to larger properties.
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Access to larger properties.
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No need for Private Mortgage Insurance.
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Available for primary residences, second homes or rental properties
jumbo mortgage loans

For Veterans

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No Down Payment Required.
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No Private Mortgage Insurance (PMI).
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Competitive Interest Rates.
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Relaxed Credit Requirements.
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Higher debt to income ratios allowed.
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Foreign National loans
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Bank Statement loans
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Asset Based loans
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DSCR loans
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No income verification loans
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Interest Only loans
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Temporary Buydown loans
Asset Based loans

Hassle Free Mortgages

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

Competitive Rates

Easy Mortgage Process

Available 7 Days a Week

Additional Resources

FAQs

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

This varies depending on the loan type, but it can be anywhere from 3.5% for FHA loans, 3% for Conventional loans to 0% for our HomeZero program,USDA, VA loans and most State Down Payment Assistance Programs.

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.