FL' Premier Lender for Unbeatable Rates & Guaranteed Approval Efforts.
Navigating the FL market with expert guidance, comprehensive loan options, and a relentless commitment to getting you the keys. Discover why we're the best choice for your Florida home financing.
Dos Mortgage is not just another lender; it is a dedicated partner in achieving homeownership in FL. The company distinguishes itself by actively working to secure approvals where other lenders might see insurmountable roadblocks.
This commitment is paired with offering Florida’s most competitive pricing, providing access to every available mortgage program within the state, and leveraging a network of top-tier partners. These partners are accessible 24/7, ensuring a seamless and successful journey for every client. The current FL housing market, characterized as a buyer’s market, presents unique opportunities. However, navigating these conditions and securing favorable financing still requires expert guidance.
Dos Mortgage is positioned to help buyers capitalize on these market dynamics, transforming the challenge of obtaining a mortgage into a strategic advantage.
Our Key Strengths
Approval Champions
We fight for you, turning denials into approvals.
Florida's Best Pricing
Transparent, competitive rates saving you money.
All Florida Loan Programs
Every option, tailored to your needs.
24/7 Partner Network
Seamless, fast support, anytime.
Navigating the FL, FL Housing Market
As of May 2025, the FL market presents unique opportunities for buyers.
Understanding these trends is the first step to making a smart investment.
14.3
Months of Housing Inventory
Increased inventory means more choices and less pressure for buyers. We help you sort through the options to find your perfect home.
79
Average Days on Market
With homes on the market longer, you have more time for due diligence. We ensure your financing is solid so you can act confidently.
The Dos Mortgage Advantage Checklist
| Feature | Dos Mortgage | Standard Lenders |
|---|---|---|
| Approval Approach | Relentless Advocacy & Creative Solutions | Standard Processing |
| Pricing Transparency | Full Cost Breakdown, Best Value Focus | Rate-Focused, Fees May Vary |
| Program Variety | All FL & National Programs | Limited Program Selection |
| Partner Availability | 24/7 Network for Speed & Efficiency | Standard Business Hours |
| Support for Challenges | Dedicated Guidance & Repair Strategies | May Deny with Limited Support |
Your Path to Approval
01
Initial Consultation & Goal Setting
We start by thoroughly understanding your unique needs and homebuying goals in FL.
02
Financial Review & Pre-Approval
A comprehensive assessment determines your budget and provides a strong pre-approval to make your offer competitive.
03
Customized Action Plan
If needed, we develop a clear roadmap with steps for credit improvement or savings strategies. We partner with you for the long haul.
04
Expert Loan Structuring
We structure your application to highlight its strengths, anticipating and addressing potential underwriter concerns from the start.
05
Closing & Keys in Hand
Through proactive communication and our efficient network, we guide you to a smooth and successful closing.
Finding Your Perfect Loan
With access to every program in Florida, we find the perfect fit for your financial situation, increasing your path to approval and ensuring favorable terms.
Minimum Down Payment Comparison
| Loan Type | Minimum Down Payment |
|---|---|
| Conventional Loan | 3% – 5% |
| FHA Loan | 3.5% |
| VA Loan (for veterans) | 0% |
| USDA Loan (rural areas) | 0% |
| Jumbo Loan | 10% – 20% |
Many buyers are surprised to learn that a 20% down payment is not always required. We specialize in finding low and no down payment options to make homeownership more accessible.
Program Highlights
FHA Loans
Great for flexible credit. Requires as little as 3.5% down.
VA Loans
An amazing benefit for veterans & military. Typically 0% down required.
Hometown Heroes
Supports FL essential workers with below-market rates & DPA.
Conventional
For strong credit profiles, with flexible terms and competitive rates.