(305) 900-2012

Your Reliable Partner in Home Ownership

4.98

375+ Experience Reviews

5.0

165+ Zillow Reviews

5.0

80+ Google Reviews

4.8

45+ Yelp Reviews

5.0

30+ FaceBook Reviews

stars five

“Look no further”
Daniel Gomez from Miami, FL

375+ Experience Reviews

165+ Zillow Reviews

80+ Google Reviews

45+ Yelp Reviews

30+ FaceBook Reviews

Why Work With Alex Doce?

alex
stars five

“Alex Doce is an exceptional mortgage lender to work with!!””

Jacqueline P. New York, NY

stars five

“The experience, professionalism and efficiency I experienced working with Alex Doce at The Doce Group was unparalleled.”

Ricky Z. Miami, FL

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

Why Take Chances With Other Mortgage Lenders When Financing a Home?

With over 36 years of experience as a mortgage lender in Florida, Alex has successfully helped more than 7,000 individuals and families finance their homes nationwide. 

Alex is currently the Branch Manager at The Doce Group at First Community Mortgage, where he leads a team of dedicated professionals who share his passion for helping people achieve their homeownership dreams. 

First Community Mortgage, a direct mortgage lender, is the only two-time winner of the Mortgage Bankers Association’s Residential DEI Leadership Award for Market Outreach Strategies.

In short, Alex is reliable, knowledgeable, honest, and efficient. His expertise and excellent communication deliver the best experience a borrower could have.

Join Alex’s long list of satisfied clients and contact Alex today.

Personalized Mortgage Loan Solutions

Comprehensive Expertise and Service

Client Satisfaction and Referrals as Success Metrics

Simple Mortgage Loan Process

Six Easy Steps to close on your loan with us.

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Lowest Rate

First-Time Home Buyer Programs

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Up to 100% financing.
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Lower mortgage insurance options.
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Finance single or multi family units.
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Access to lower rates.

Most Popular

Conventional Loans

Verified Pre Approval

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Fast Closings.
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Competes with cash offers.
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Win against higher offers.
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$5,000 guarantee to seller.
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Close within 14 days.

Most Flexible Terms

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Low or NoDown Payment
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Low Credit Score Requirements
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No Income Limits
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Low Down Payment for 1-4 unit homes
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Higher debt to income ratios to 57%

100% Financing

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Buy a home with no money down.
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FICO scores as low as 600
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Do not need to be a first time home buyer
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No income limits
home zero loan

For Large Loan Amounts

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Higher loan amounts.
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Access to larger properties.
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Access to larger properties.
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No need for Private Mortgage Insurance.
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Available for primary residences, second homes or rental properties
jumbo mortgage loans

For Veterans

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No Down Payment Required.
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No Private Mortgage Insurance (PMI).
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Competitive Interest Rates.
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Relaxed Credit Requirements.
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Higher debt to income ratios allowed.
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Foreign National loans
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Bank Statement loans
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Asset Based loans
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DSCR loans
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No income verification loans
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Interest Only loans
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Temporary Buydown loans
Asset Based loans

Additional Resources

Why Choose The Doce Group?

Buy a Home with Confidence

Get a Loan Quickly

Personalized Refinancing

Competitive Rates

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

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.