37+ Years. Reliable. Honest. Proven Results.

As leading Florida mortgage advisors, Alex Doce and his team at The Doce Mortgage Group have been helping homebuyers, homeowners, and investors for over 37 years, with thousands of satisfied borrowers across the state.

Our team proudly serves clients in Miami, Miami Beach, Coral Gables, Fort Lauderdale, Pompano Beach, Jupiter, Pembroke Pines, West Palm Beach, Boca Raton, Delray Beach, Palm Beach, Naples, Cape Coral, Fort Myers, Englewood, Clearwater, Stuart, and The Florida Keys — as well as many other communities statewide.

Whether you’re purchasing your first home, refinancing, or investing, The Doce Mortgage Group provides personalized mortgage solutions designed to ensure a smooth, fast, and stress-free closing anywhere in Florida.

At The Doce Mortgage Group, we offer a wide variety of Florida mortgage programs to help homebuyers, homeowners, and investors find the right loan for their goals — from conventional options to specialized programs like DSCR and HomeZero™.

Conventional Loans

• Backed by private lenders (not the government).

• Higher loan limits that vary by county.

• Flexible terms for primary, second home, and investment properties.

FHA Loans

• Insured by the Federal Housing Administration (FHA).

• Low down payment (as little as 3.5%).

• Lenient credit score requirements and competitive rates.

VA Loans

• For eligible U.S. veterans, active-duty service members, and surviving spouses.

• Backed by the Department of Veterans Affairs.

• No down payment and no mortgage insurance required.

USDA Loans

• Designed for rural and suburban homebuyers.

• Backed by the U.S. Department of Agriculture.

• Offer 100% financing (zero down payment).

Down Payment Assistance & Zero-Down Options

HomeZero™ Program

• Explore Over 65 Florida Down-Payment Assistance Programs.

• Offers up to 103% financing for qualified borrowers.

• Helps cover down payment and closing costs for eligible buyers.

• Ideal for first-time homebuyers and moderate-income families.

• Learn more: Zero Down Mortgage Florida – HomeZero™. Exclusive to The Doce Mortgage Group.

Specialty & Non-QM Loan Programs

DSCR Loans (Debt Service Coverage Ratio)

• Tailored for real estate investors.

• Approval based on property cash flow instead of borrower income.

• No tax returns required.

• Coverage ratio as low as zero.

Bank Statement Loans

• For self-employed borrowers.

• Uses 12–24 months of bank statements to verify income.

• No W-2s or tax returns needed.

No-Income Verification Loans

• Qualification based on credit, assets, and property value.

• Ideal for high-net-worth borrowers with non-traditional income.

Asset Depletion Loans

• Qualify using assets (savings, retirement funds, or investments) rather than monthly income.

• Excellent for retirees or investors.

ITIN Loans

• Designed for borrowers using an Individual Taxpayer Identification Number (ITIN).

• Enables non-U.S. residents to purchase or refinance property in Florida.

Traditional Mortgage Structures

Fixed-Rate Mortgages

• Interest rate remains the same for the life of the loan.

• Stable monthly payments and predictable budgeting.

Adjustable-Rate Mortgages (ARM)

• Interest rate adjusts based on market conditions after an initial fixed period.

• Typically offers a lower starting rate.

• Get Pre-Approved: Understand your borrowing capacity.
• Choose a Lender: Research and select a lender that offers favorable terms and rates. Or, work with a mortgage broker who can help you find your best option.
• Submit Your Application: Fill out the mortgage application. 
• Provide Documentation: Collect necessary documents, including proof of income (pay stubs, tax returns), identification (Driver’s license, Social Security number), and bank statements.
• Get the Property Inspected: Hire a professional inspector to evaluate the home’s condition.

The required down payment varies based on the type of loan. In Florida, it can range from 3.5% for FHA loans and 3% for Conventional loans to 0% for our HomeZero program, USDA loans, VA loans, and most State Down Payment Assistance Programs.

It depends on factors such as your credit score, the type of loan, loan term, and current market conditions. The Doce Mortgage Group offers excellent rates with competitive closing costs. 

Yes, lenders will use your credit score to assess your creditworthiness and the level of risk they would be taking by offering you a loan. Generally, those with higher credit scores are more likely to qualify for better interest rates and more favorable loan terms when they apply. On the other hand, a lower credit score may lead to higher interest rates and potentially more stringent lending conditions. Your score can also affect the types of loan products available to you. 

Yes, there are several first-time homebuyer programs, like HomeZero and several state programs, that offer down payment assistance and favorable terms. 

When applying for a mortgage, you’ll need to complete an  online application and submit identification, Social Security number, proof of income, bank statements, employment verification, credit information, and property details. We use a smart application system that will read your completed application and send you an email seconds later with the list of required documents, based on  your inputted data.

Our mortgage approval process usually takes 5 to 10 days. We close most loans within 20-30 days of a completed application.

Working with an experienced local mortgage broker like The Doce Mortgage Group helps ensure a fast, smooth, and stress-free closing — often quicker than large banks or online lenders

Yes — you can refinance your existing mortgage to better fit your current financial goals. Many homeowners in Florida choose to refinance to:

• Secure a lower interest rate and reduce overall loan costs

• Lower monthly mortgage payments and improve cash flow

• Shorten the loan term to pay off the home faster and build equity more quickly

• Access home equity through a cash-out refinance for renovations, debt consolidation, or investments

At The Doce Mortgage Group, we help borrowers compare multiple refinance options to find the best rates and terms available. Whether you want to save money, access equity, or restructure your loan, refinancing can be a smart move when done strategically.

• To qualify for a mortgage loan in Florida, lenders generally review several key factors to determine eligibility and the best loan program for your situation:

  • Credit Score: Most conventional loans require a minimum score of 620, while FHA loans may be available with scores as low as 500.

  • Debt-to-Income Ratio (DTI): Preferably below 50%, showing that your monthly debts are manageable compared to your income.

  • Employment History: A stable job or consistent income for at least two years helps demonstrate financial reliability.

  • Proof of Income: Lenders typically require recent pay stubs, W-2s, and/or federal tax returns to verify earnings.

  • Down Payment: Varies by loan type — as low as 3% for conventional and 3.5% for FHA programs.

  • Property Appraisal: Confirms that the home’s market value supports the loan amount.

  At The Doce Mortgage Group, we guide Florida homebuyers through every qualification step — from credit and income verification to selecting the best loan program for their goals.