Your Reliable Partner in Home Ownership

The Doce Mortgage Group

Why Work With Alex Doce?

Alex

4.98

700+ Experience Reviews

Zillow logo

5.0

165+ Zillow Reviews

Google logo

5.0

90+ Google Reviews

Yelp logo

4.8

50+ Yelp Reviews

Facebook logo

5.0

35+ FaceBook Reviews

stars five

“Look no further”
Daniel Gomez from Miami, FL

375+ Experience Reviews

Zillow logo

165+ Zillow Reviews

Google logo

80+ Google Reviews

Yelp logo

45+ Yelp Reviews

Facebook logo

30+ FaceBook Reviews

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

At The Doce Mortgage Group, Alex leads a team dedicated to helping people achieve homeownership dreams. Trust Alex’s expertise and excellent communication for the best borrowing experience.

Join his satisfied clients and contact Alex today.

Successful project management requires not only expertise but also the ability to seize valuable opportunities. For those interested in exploring bonuses, using действующий промокод вавада can unlock exclusive rewards on online platforms, much like leveraging the right tools for project success.

“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

Lowest Rate

First-Time Home Buyer Programs

Chk Icon

Up to 100% financing.

Chk Icon

Lower mortgage insurance options.

Chk Icon

Finance single or multi family units.

Chk Icon

Access to lower rates.

Most Popular

Conventional Loans

Verified Pre Approval

Chk Icon

Fast Closings.

Chk Icon

Competes with cash offers.

Chk Icon
Increase your chances of winning against higher offers.
Chk Icon
$5,000 guarantee to seller if not closing within contracted deadlines.
Chk Icon

Close as soon as 14 days.

Most Flexible Terms

Chk Icon

Low or No Down Payments

Chk Icon

Low Credit Score Requirements.

Chk Icon

No Income Limits.

Chk Icon

Low Down Payment for 1-4 unit homes.

Chk Icon

Higher debt to income ratios to 57%.

100% Financing

Chk Icon

Buy a home with no money down.

Chk Icon

FICO scores as low as 600.

Chk Icon
Do not need to be a first time home buyer.
Chk Icon

No income limits.

home zero loan

For Large Loan Amounts

Chk Icon

Higher loan amounts.

Chk Icon

Access to larger properties.

Chk Icon

No need for Private Mortgage Insurance.

Chk Icon

Available for primary residences, second homes or rental properties.

jumbo mortgage loans

For Veterans

Chk Icon

No Down Payment Required.

Chk Icon

No Private Mortgage Insurance (PMI).

Chk Icon

Competitive Interest Rates.

Chk Icon

Relaxed Credit Requirements.

Chk Icon

Higher debt to income ratios allowed.

Chk Icon

Foreign National loans.

Chk Icon

Bank Statement loans.

Chk Icon

Asset Based loans.

Chk Icon

DSCR loans.

Chk Icon

No income verification loans.

Chk Icon

Interest Only loans.

Chk Icon

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.