Author: Alex Doce

DSCR Loan Eligibility: What Miami Beach Investors Need to Know

Quick Answer Eligibility for a DSCR Loan in Miami Beach in 2025 depends mainly on whether the property’s rental income can cover the projected monthly payment. Most programs look for a DSCR around 1.00 or higher, although The Doce Mortgage Group offers flexible options, including ratios as low as 0.75 and even No Ratio DSCR […]

FHA vs Conventional: Which Makes More Sense for West Palm Beach Buyers?

Quick Answer FHA often fits buyers with smaller savings or lower credit who need flexible approval, while conventional usually works better for buyers with stronger credit and bigger down payments who want lower long term costs, and The Doce Mortgage Group can compare both options for your specific situation. Table of Contents Top 3 Take-a-Ways […]

What Is an IRRRL VA Loan in Florida and How Does It Work?

Quick Answer A florida IRRRL loan, or Interest Rate Reduction Refinance Loan, is a simple VA-backed refinance option for veterans and active-duty service members who already have a VA loan. It helps lower your interest rate, reduce monthly payments, or switch from an adjustable rate to a fixed rate—usually without an appraisal, income check, or […]

What’s the Timeline of a Fort Lauderdale Mortgage Lender? 

Quick Answer Most buyers move from pre approval to clear to close in about 15 to 20 days in 2025. Here are the 12 typical steps: Table of Contents Top 3 Take-a-Ways Pre approval to clear to close usually takes 15 to 20 days. Fast responses keep underwriting and appraisal timelines on schedule. Local lenders […]

Secure Your Freedom – How to get the Most Out of a Boca Raton Mortgage Broker

Table of Contents Top 3 Take-a-Ways Use a mortgage broker in Boca Raton to model taxes, insurance, and HOA accurately. Front load condo review to prevent delays and protect approval. Align lock timing and credits with contract dates for stronger offers. Buying a home in Boca Raton can sometimes feel complicated and overwhelming. The right mortgage […]

Is Refinancing with an FHA Loan in Deerfield Beach Florida Smart After Insurance Repricing?

Quick Answer Yes, if rising 2025 insurance and escrow costs raised your payment, an FHA refinance can cut the rate or stabilize your budget. Check MIP, loan limits, and closing costs to confirm the savings. Table of Contents Top 3 Take-a-Ways FHA refinance can offset 2025 insurance hikes and stabilize payments. Check MIP, closing costs, […]

Is a Jumbo Loan the Only Way to Buy Luxury Real Estate in Aventura, Florida?

Quick Answer Is a Jumbo Loan the Only Way to Buy Luxury Real Estate in Aventura? In most cases, yes! With home prices in Aventura often above the 2025 conforming loan limit of $822,550, a jumbo loan is usually required to finance luxury properties priced near or above $850,000. Unless you’re paying mostly in cash, a […]

Award Winning Boca Raton Mortgage Broker Answers 72 Top Questions

Boca Raton blends sunny coastal living with a busy housing market where local rules, insurance, and seasonality shape how you buy and finance a home. As a mortgage broker in Boca Raton for decades, I’m asked every day how financing really works here, from condo approvals and insurance to timing a rate lock and building […]

How to Choose the Best Mortgage Company in Fort Lauderdale Florida

Table of Contents Top 3 Take-a-Ways Compare real 2025 rates, fees, and timelines before choosing your Fort Lauderdale mortgage company. Pick a local expert who understands condo rules, insurance costs, and Broward market nuances. Verify transparency, speed, and communication to find the Best Mortgage Company in Fort Lauderdale. Fort Lauderdale buyers face unique choices in […]

Insights from a Miami Mortgage Broker- How to Compete in High-Demand Markets

Quick Answer You can win in highly competitive real estate markets like Miami by getting fully pre-approved, and by working with a mortgage broker in Miami who vets the property and building early. Prepare a clean offer with flexible timing, and use credits or points to fit your budget while showing sellers you can close on time. […]