Purchasing a home is one of the biggest financial decisions you’ll make—that’s why finding the right home loan is essential. Whether you’re a first-time buyer, existing homeowner, a military veteran, or an investor, there’s a mortgage solution tailored to your needs.
At The Doce Mortgage Group, we’re committed to guiding you through the home loan process and ensuring you secure the best financing for your dream home. Here’s a list of the various home loans in Florida, and some points to consider when you’re deciding the right option for you.
A 30-year fixed-rate mortgage is the most popular type of Florida mortgage loans, offering stability and predictability with consistent monthly payments. This loan is ideal for homebuyers or existing owners looking for lower payments and long-term financial planning.
A 15-year fixed-rate mortgage helps homeowners build equity faster and save thousands in interest payments. While the monthly payments are higher than a 30-year loan, the financial benefits can be substantial.
Buying your first home? We offer specialized first-time home buyer loans with low down payment options and reduced mortgage insurance requirements to make homeownership more accessible.
An adjustable-rate mortgage (ARM) offers lower initial interest rates that adjust periodically based on market conditions. This loan is ideal for those who plan to move or refinance before the rate adjusts.
Florida offers various down payment assistance programs to help homebuyers cover upfront costs. These programs provide grants or low-interest loans to eligible buyers.
A Federal Housing Administration (FHA) loan offers flexible qualification requirements and lower down payments, making it a popular choice for many homebuyers.
For veterans and active military members, VA loans provide unbeatable benefits, including no down payment and no private mortgage insurance (PMI).
The HomeZero Program offers 100% financing with no income restrictions, making homeownership more accessible to a broader range of buyers.
USDA loans provide 100% financing for homes in eligible rural and suburban areas, making homeownership more accessible in less densely populated regions.
Designed for full-time workers in Florida, the Hometown Heroes Loan Program offers financial assistance and lower interest rates.
For high-value properties, jumbo loans provide financing beyond conventional loan limits, allowing you to purchase luxury homes.
For buyers looking to enter the luxury housing market, jumbo loans with 10% down offer an opportunity to finance high-end properties with a smaller upfront investment.
Buying a condo in Florida? Our condo loans provide flexible financing for urban and beachfront properties.
Debt-Service Coverage Ratio (DSCR) loans allow real estate investors to qualify for loans based on rental income instead of personal income.
Non-U.S. citizens can buy property in Florida with foreign national loans, designed to help international buyers invest in U.S. real estate.
For non-U.S. citizens without a Social Security number, ITIN loans provide a path to homeownership in Florida.
Home buyers and existing owners can secure funding with no income verification for primary, vacation or investment properties, streamlining the approval process.
Bank statement loans allow self-employed borrowers to qualify based on bank deposits rather than traditional income verification.
If you have significant assets, asset-based loans let you leverage them to secure a mortgage.
Enjoy lower initial payments with interest-only home loans, which allow you to pay only interest for a set period before principal payments begin.
If you’ve experienced bankruptcy, foreclosure, or other financial setbacks, recent credit event loans can help you rebuild your financial future while achieving homeownership.
Alex Doce NMLS 13817.
The Doce Group NMLS 2638131.
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Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria.
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