37 年以上。可靠。诚实。经过验证的结果。

As leading Florida mortgage advisors, 亚历克斯-多斯 and his team at 多斯抵押贷款集团 have been helping homebuyers, homeowners, and investors for over 37 years, with thousands of satisfied borrowers across the state.

Our team proudly serves clients in Miami, Miami Beach, Coral Gables, Fort Lauderdale, Pompano Beach, Jupiter, Pembroke Pines, West Palm Beach, Boca Raton, Delray Beach, Palm Beach, Naples, Cape Coral, Fort Myers, Englewood, Clearwater, Stuart, and The Florida Keys — as well as many other communities statewide.

Whether you’re purchasing your first home, refinancing, or investing, 多斯抵押贷款集团 provides personalized mortgage solutions designed to ensure a smooth, fast, and stress-free closing anywhere in Florida.

在 多斯抵押贷款集团, we offer a wide variety of 佛罗里达州抵押贷款计划 to help homebuyers, homeowners, and investors find the right loan for their goals — from conventional options to specialized programs like DSCR 和 HomeZero™.

常规贷款

• Backed by private lenders (not the government).

• Higher loan limits that vary by county.

• Flexible terms for primary, second home, and investment properties.

FHA 贷款

• Insured by the Federal Housing Administration (FHA).

• Low down payment (as little as 3.5%).

• Lenient credit score requirements and competitive rates.

VA 贷款

• For eligible U.S. veterans, active-duty service members, and surviving spouses.

• Backed by the Department of Veterans Affairs.

• 无需首付 和 no mortgage insurance required.

USDA 贷款

• Designed for rural and suburban homebuyers.

• Backed by the U.S. Department of Agriculture.

• Offer 100% financing (zero down payment).

Down Payment Assistance & Zero-Down Options

HomeZero™ Program

• Explore Over 65 Florida Down-Payment Assistance Programs.

• Offers up to 103% financing for qualified borrowers.

• Helps cover down payment and closing costs for eligible buyers.

• Ideal for 首次购房者 and moderate-income families.

• Learn more: Zero Down Mortgage Florida – HomeZero™. Exclusive to 多斯抵押贷款集团.

Specialty & Non-QM Loan Programs

DSCR 贷款 (Debt Service Coverage Ratio)

• Tailored for real estate investors.

• Approval based on property cash flow instead of borrower income.

• No tax returns required.

• Coverage ratio as low as zero.

银行对账单贷款

• For self-employed borrowers.

• Uses 12–24 months of bank statements to verify income.

• No W-2s or tax returns needed.

No-Income Verification Loans

• Qualification based on credit, assets, and property value.

• Ideal for high-net-worth borrowers with non-traditional income.

Asset Depletion Loans

• Qualify using assets (savings, retirement funds, or investments) rather than monthly income.

• Excellent for retirees or investors.

ITIN 贷款

• Designed for borrowers using an Individual Taxpayer Identification Number (ITIN).

• Enables non-U.S. residents to purchase or refinance property in Florida.

Traditional Mortgage Structures

固定利率抵押贷款

• Interest rate remains the same for the life of the loan.

• Stable monthly payments and predictable budgeting.

可调整利率抵押贷款 (ARM)

• Interest rate adjusts based on market conditions after an initial fixed period.

• Typically offers a lower starting rate.

• 获得预先批准：了解自己的借贷能力。
• Choose a Lender: Research and select a lender that offers favorable terms and rates. Or, work with a 抵押贷款经纪人 who can help you find your best option.
• Submit Your 应用: Fill out the mortgage application. 
• 提供文件：收集必要的文件，包括收入证明（工资单、报税表）、身份证明（驾驶执照、社会保险号）和银行对账单。
• 检查房产：聘请专业检查员评估房屋状况。

所需的首付款因贷款类型而异。在佛罗里达州，从 FHA 贷款的 3.5%、Conventional 贷款的 3% 到我们的 0% 不等。 零主页计划USDA 贷款、VA 贷款和大多数州贷款 首期付款援助计划.

It depends on factors such as your credit score, the type of loan, loan term, and current market conditions. The Doce Mortgage Group offers excellent rates with competitive closing costs. 

是的，贷款机构会使用您的信用评分来评估您的信用度以及他们为您提供贷款所要承担的风险程度。一般来说，信用评分较高的人在申请贷款时更有可能获得更高的利率和更优惠的贷款条件。另一方面，较低的信用评分可能会导致更高的利率和更严格的贷款条件。您的分数也会影响您可获得的贷款产品类型。 

是的，有几个 首次购房者计划, like 首页零 and several state programs, that offer 首付补助 and favorable terms. 

申请抵押贷款时，您需要填写一份  在线申请 and submit identification, Social Security number, proof of income, bank statements, employment verification, credit information, and property details. We use a smart application system that will read your completed application and send you an email seconds later with the list of required documents, based on  your inputted data.

Our mortgage approval process usually takes 5 to 10 days. We close most loans within 20-30 days of a completed application.

Working with an experienced local mortgage broker like 多斯抵押贷款集团 helps ensure a fast, smooth, and stress-free closing — often quicker than large banks or online lenders

Yes — you can refinance your existing mortgage to better fit your current financial goals. Many homeowners in Florida choose to refinance to:

• Secure a lower interest rate and reduce overall loan costs

• Lower monthly mortgage payments and improve cash flow

• Shorten the loan term to pay off the home faster and build equity more quickly

• Access home equity through a cash-out refinance for renovations, debt consolidation, or investments

在 多斯抵押贷款集团, we help borrowers compare multiple refinance options to find the best rates and terms available. Whether you want to save money, access equity, or restructure your loan, refinancing can be a smart move when done strategically.

• To qualify for a mortgage loan in Florida, lenders generally review several key factors to determine eligibility and the best loan program for your situation:

  • 信用评分： Most conventional loans require a minimum score of 620, while FHA 贷款 may be available with scores as low as 500.

  • Debt-to-Income Ratio (DTI): Preferably below 50%, showing that your monthly debts are manageable compared to your income.

  • Employment History: A stable job or consistent income for at least two years helps demonstrate financial reliability.

  • Proof of Income: Lenders typically require recent pay stubs, W-2s, and/or federal tax returns to verify earnings.

  • 首期付款： Varies by loan type — as low as 3% for conventional 和 3.5% for FHA programs.

  • 财产评估： Confirms that the home’s market value supports the loan amount.

   

  在 多斯抵押贷款集团, we guide Florida homebuyers through every qualification step — from credit and income verification to selecting the best loan program for their goals.