Lower your rate, shorten your term, eliminate PMI, or access your home’s equity. Alex Doce has helped thousands of Florida homeowners save with the right refinance.
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Refinancing replaces your current loan with a new one — often with better terms that align with where you are today.
Secure a lower rate to reduce your monthly payment and save thousands over the life of your loan.
Move from a 30-year to a 15- or 10-year mortgage. Build equity faster and pay significantly less in total interest.
If your home has gained equity, refinancing can eliminate private mortgage insurance — saving hundreds per year.
Use a cash-out refinance to fund renovations, pay off debt, cover education costs, or invest in additional property.
Move from an adjustable-rate mortgage to a fixed rate for payment stability — or vice versa to take advantage of lower introductory rates.
Combine high-interest debts into a single, lower-rate mortgage payment — simplifying your finances and reducing total interest.
Refinancing isn’t always the right move. Here’s what to weigh before deciding.
Closing costs typically range from 2% to 4% of the new loan amount, which can take months or years to recoup through savings.
Extending your loan term (e.g., restarting a 30-year mortgage) can mean paying more in total interest over the life of the loan — even with a lower rate.
Shortening your loan term reduces total interest but increases your monthly payment — make sure the higher payment fits your budget.
Some investment property loans carry prepayment penalties. Check your current loan terms before refinancing.
Your credit score may temporarily dip due to the hard inquiry and new loan account — though it typically recovers within a few months.
Every homeowner’s situation is different. Here are the most common refinance programs available in Florida.
Replace your current loan with a new one at a lower interest rate or more favorable repayment term — the most common refinance type.
Tap into your home’s equity and receive cash at closing. Use it for renovations, investments, education, or debt payoff.
Make a lump-sum payment to reduce your loan balance, lower your loan-to-value ratio, and potentially reduce monthly payments.
Available for FHA, VA (IRRRL), and USDA loans. Simplified process with reduced paperwork, no appraisal, and faster closing.
Refinance without upfront closing costs by rolling them into your loan or accepting a slightly higher rate. No cash out of pocket.
Combine multiple debts into one mortgage payment at a lower blended rate — reducing total interest and simplifying your finances.
Not sure which option fits? Get a free refinance analysis.
Get Your Free AnalysisAlready have a specific loan type? Here’s how refinancing works for each program.
Lock in a new fixed interest rate for 10, 15, 20, or 30 years. Ideal for homeowners with an adjustable rate who want payment stability, or for those who can secure a significantly lower rate than their current fixed-rate mortgage.
Refinance into an ARM for lower initial rates that adjust at predetermined intervals. Best for homeowners who plan to sell or refinance again within 5–7 years. Interest rate caps provide cost protection during adjustment periods.
Available to homeowners with an existing FHA loan. Reduce your rate or switch from an ARM to a fixed rate with minimal paperwork and no appraisal required. FHA Cash-Out Refinance is also available to access your home’s equity.
For veterans and active-duty service members with a VA loan. The Interest Rate Reduction Refinance Loan lowers your monthly payment or converts an adjustable rate to a fixed rate — with minimal documentation and no appraisal.
Homeowners in eligible rural areas with an existing USDA loan can refinance with a streamlined process similar to FHA and VA — reduced paperwork, no appraisal, and faster closing times.
Refinancing within the same loan type can lower your monthly payments, remove PMI if you’ve built sufficient equity, or shorten your term — while maintaining the inherent benefits of your conventional loan structure.
Find out which refinance option saves you the most.
Get Your Free AnalysisUnderstanding when and why refinancing makes financial sense.
Even a modest rate reduction of 0.5% to 1% on a $400,000 mortgage can save tens of thousands of dollars over the life of the loan. Moving from a 30-year term to 15 or 10 years accelerates equity building and can cut total interest paid in half.
A cash-out refinance converts your home equity into working capital at mortgage rates — typically far lower than credit cards or personal loans. Use it for home renovations, education costs, or high-interest debt consolidation.
Refinancing within the same program — VA to new VA, FHA to new FHA — maintains your original loan benefits while adapting to current market conditions. This can lower monthly payments, secure a more stable rate, or eliminate mortgage insurance.
The break-even point is when your monthly savings exceed the cost of refinancing. Alex Doce provides this analysis at no cost, so you can make an informed decision with complete clarity — before committing to anything.
Ready to see how much you could save? Get a free break-even analysis.
Get Your Free QuoteFrom evaluation to closing — here’s what to expect when you refinance with The Doce Mortgage Group.
Identify what you want: lower payments, shorter term, cash out, or debt consolidation.
Alex reviews available lenders, terms, and rates to find the best fit for your situation.
Lock in your refinance rate and see exactly what you qualify for before committing.
We handle underwriting, appraisal, and documentation. You get constant updates throughout.
Sign the documents, your new loan pays off the old one, and you start saving immediately.
Everything you need to know about refinancing your Florida mortgage.
Alex Doce will evaluate your current loan and tell you exactly whether refinancing makes sense.
Get Expert AdviceGet the best refinance rates in Fort Lauderdale and across Florida. Alex Doce will compare your current loan against today’s rates and tell you exactly how much you could save.
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