First-time buyer or seasoned investor, Alex Doce and The Doce Mortgage Group find you the right loan, with clear communication from first call to closing.
Alex and his team were awesome. He was so patient with me, answering every text and call. If you want a lender who communicates, use The Doce Mortgage Group.
5 Stars!! ALEX is superb. I needed to close quickly to beat another offer, and Alex got it done in record time with no surprise fees.
If Alex tells you he can help, he will move heaven and Earth. We had a complex self-employed situation, but Alex knew exactly which program to use.
To call Alex amazing would be an understatement. He handled our Florida financing flawlessly from thousands of miles away.
Alex made my dream come true with ease. His expertise and attention to detail is second to none. I highly recommend The Doce Mortgage Group.
Alex worked hard on making the impossible, possible for me. I was able to close on two separate loans in less than 30 days.
From my first call I knew I was in great hands. Extremely knowledgeable and professional, the best out there.
Alex made the whole process very easy and closing was quick. Best lender I've worked with, and I'll definitely use them again.
Buying a home is stressful, but Alex made it so much better. I recommend him to anyone looking for a lender they can trust.
Alex came to my rescue in one of the most precarious financial situations I've ever been in, and solved it ahead of schedule.
Ours was a complex deal, and they made it happen in record time. They were with us every step of the way.
Alex made the process easy. Never thought I'd say that about buying a home! He was always available, transparent, professional, and someone you can trust.
Rated 5 Stars by Your Neighbors. 7,000+ families and individuals have trusted us with the biggest financial decision of their lives. Here's what a few of them said. Read 1,500+ More 5-Star Reviews →
Every scenario is different—first home or fifth investment, W-2, self-employed or unemployed, full doc or alternative income, strong credit or past events. We match you to the right loan with clear, honest guidance.
Find My Loan MatchBuying your first place in Florida? We walk you through every step and open doors most lenders won't — including our HomeZero™ program with zero down for qualifying buyers.
See First-Time Options →Your tax return doesn't tell the whole story. Qualify with 12–24 months of bank statements or 1099s — no W-2s, no awkward conversations about write-offs. Unemployed welcome.
See Self-Employed Loans →Scale without hitting a DTI wall. Our DSCR loans qualify the property, not you — so your personal income stays out of it and your next deal stays on track.
See Investor Loans →Foreign National. ITIN. Non-Permanent Resident. Recent credit event. Complex income. If another lender said no, there's a good chance we can say yes — and show you exactly how.
See Your Options →DSCR loans qualify on the property's rental income — not yours. No tax returns, no W-2s, no employment verification. If the property cash-flows, you qualify.
DSCR loans are for investment properties only. Qualification is based on property cash flow, satisfactory appraisal, and borrower creditworthiness. Rates and terms subject to change.
Skip the W-2s, tax returns, and pay stubs. DSCR loans qualify entirely on the rental income the property generates.
No cap on the number of financed properties. Scale from one unit to a full portfolio without hitting conventional loan limits.
Streamlined underwriting with fewer conditions means faster closings — compete with cash offers on investment properties.
Most lenders push you toward the loan that fits their box. We match you to the loan that fits your life — whether that's 100% financing, a no-income DSCR, a 10%-down $2,500,000 or 20%-down to $5,000,000 jumbo loan on a condo.
The gold standard for strong-credit buyers. As little as 3% down with competitive fixed and adjustable options.
View Details →The most forgiving path to homeownership. 0% to 3.5% down and flexible credit, insured by the federal government.
View Details →Zero down, no PMI, and our lowest rates — a thank-you for your service. For eligible veterans and active military. Loans to $3,000,000.
View Details →For homes above conventional limits. As little as 10% down to $2,500,000 loans or 20% down to $5,000,000 on luxury properties across Florida.
View Details →Qualify on the property's rental income, not yours. Keep your DTI clean and buy your next door faster.
View Details →Built for MDs, DMDs, DOs, DPMs, DDSs, PharmDs, VMDs, CRNAs, and residents. Zero down to $2,000,000, flexible DTI, and student debt excluded in most cases.
View Details →Zero down, 100% financing across Florida. Skip the down-payment hurdle entirely — qualified buyers can finance the full purchase price.
View Details →Primary homes, second homes, and investment properties — maximum privacy, minimum paperwork. No employment required.
View Details →
Your mortgage shouldn’t feel like a black box. For nearly four decades Alex Doce a nationally ranked top 1% mortgage originator has guided buyers, refinancers, and investors through every market this state has thrown at them — booms, busts, rate spikes, and everything between.
We don’t hand you off to a call center. We don’t surprise you at the closing table. And we don’t disappear after you sign.
What you get is a small, senior team that knows Florida cold, treats your money like ours, and tells you the truth — even when it’s not what you hoped to hear.
You'll know your rate, your fees, and your closing date — and they won't change the day before closing.
Closings happen on weekends. So do we. Text, call, or email — we answer.
Modern tech, mortgage specialists, and over 38 years of knowing which files need which fix.
We shop dozens of approved wholesale lenders to find the lowest rate and program your file qualifies for — not the rate that pays us the most.
No jargon. No upsell. Just clear answers to the questions Florida buyers ask us every week.
Florida mortgage rules change constantly. Talk to a local advisor who knows the market — not a call center.
Book a Free 15-Min CallReal guides from over 38 years in financing — no fluff, no clickbait, no generic "10 tips" nonsense.
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Read Guide →Answer a few quick questions and we'll show you every loan program — from first-time buyer assistance to investor DSCR — you're eligible for today.
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