Our Mortgage Programs

Your Path to Homeownership Starts Here

At Dos Mortgage, we know that the path to homeownership in FL is unique for every client. Whether you’re buying your first home, relocating, or refinancing, choosing the right mortgage is a key financial decision. That’s why we offer a comprehensive suite of mortgage programs, both tailored to Florida-specific needs and aligned with national options. Our mission is to help you navigate this journey confidently—fighting for approvals and finding terms that work for you.

We’ve organized our programs into clear categories so you can easily explore the best options based on your goals and financial profile.

Florida First-Time Homebuyer Programs

Buying your first home can feel overwhelming. That’s why Dos Mortgage simplifies access to Florida’s state-backed resources for first-time buyers.

FL Housing’s Homebuyer Program
Ideal for income-eligible buyers purchasing within local price limits, this program offers down payment assistance (DPA) when paired with a qualifying loan type (Conventional, FHA, VA, USDA). Requires a minimum 640 credit score and completion of a homebuyer education course.
Florida Assist Second Mortgage Program
Offers up to $10,000 in DPA as a deferred second mortgage, with repayment only due upon sale or refinancing.
HFA Advantage (FL Plus)
Grants 3%, 4%, or 5% of the mortgage amount to assist with down payment and closing costs—fully forgiven after 5 years.

Florida Hometown Heroes Program

We’re proud to support FL’ essential workers—those who make our community thrive.

This program provides:

Below-market interest rates
Reduced upfront fees
Up to 5% in down payment & closing cost assistance (typically $10,000–$35,000)

Eligible professions include:

Law enforcement, firefighters, and emergency personnel
Educators and school staff
Healthcare workers and childcare professionals

If you serve FL, Dos Mortgage is here to serve you—ensuring you unlock the full potential of the Hometown Heroes program.

FHA Loans

Perfect for buyers with modest savings or less-than-perfect credit, FHA loans are backed by the government and offer:

Down payments as low as 3.5% (with a credit score of 580+)
Flexible underwriting for credit history
Great for first-time or returning homebuyers

We make FHA loans accessible by guiding you through every step—from application to closing.

🇺🇸 VA Loans for FL Veterans

To those who’ve served, we thank you—and we’re here to ensure you benefit fully from your earned VA loan privileges.

Benefits include:

No down payment
No private mortgage insurance (PMI)
Competitive interest rates

Our VA specialists are ready to help FL-area veterans secure housing with zero money down and outstanding support.

🌾 USDA Loans (Rural Housing)

Considering a home outside FL in eligible rural areas? A USDA loan could be the perfect fit.

Features:

No down payment required
Attractive interest rates
Requires 640+ credit score

Let us help you check your property’s eligibility and walk you through the USDA process with confidence.

Conventional Mortgages

Conventional loans are ideal for borrowers with solid credit and income history who want flexible terms and highly competitive rates.

Minimum credit score generally starts at 620
Down payments can start at 3%, but larger down payments help reduce costs
Options for fixed-rate or adjustable-rate mortgages

Dos Mortgage helps you structure your loan to match your financial goals—now and for the long term.

Refinancing Solutions

Already a homeowner? Refinancing can help you:

Lower monthly payments
Shorten your loan term
Access your home equity
Switch from an adjustable to a fixed rate

We perform a full mortgage review to recommend the smartest strategy for your financial future.

Florida Mortgage Programs at a Glance

Program Name	Typical Borrower Profile	Key Benefit	Min. Credit Score (Approx.)	Min. Down Payment (Approx.)
FL Housing Homebuyer	First-time, income/price limits	DPA, favorable terms	640+	Varies (low options)
FL Hometown Heroes	Eligible FL essential professions	Below-market rates, DPA/closing cost aid	Qualify FHA/VA/USDA/Conv.	Up to 5% of loan as DPA
FHA Loan	Lower credit, limited savings	Low down payment, flexible credit	580+	3.5%
VA Loan	Eligible veterans & military	No down payment, favorable terms	N/A (lender specific)	0%
USDA Loan	Buyers in eligible rural areas	No down payment	640+	0%
Conventional Mortgage	Good to excellent credit, larger down payment	Flexible terms, competitive rates	620+ (varies)	3–20%+