A multi-racial family, including an African-American girl and a Caucasian male, joyfully laughing while holding a baby, all dressed in 10 different sweaters, in their new home.

DocApply Mortgage Brokerage

Welcome to DocApply Mortgage Brokerage (NMLS 2350637), where experience meets results. As bankers turned brokers, we offer expert solutions for refinancing, home purchases, and commercial. Let us make your mortgage journey smooth and successful.

 

REFINANCE

Close in as little as 15 - 19 days and take advantage of a free appraisal upon closing. Our streamlined process is tailored to meet your needs, even if you have a 580 FICO score. Enjoy the added benefit of a waived processing fee and structure your refinance to miss two house payments initially.

 
Shuffle, Caucasian, family sitting in front of their living room
 
  • Unlock Financial Freedom with Cash-Out Refinance: Imagine transforming your home's equity into a powerful tool against debt, turning credit card chaos into financial stability. This is the essence of cash-out refinancing—a pathway to a brighter future. Simplify your debts, fund renovations, or fuel adventures by tapping into your property's hidden value. Yet, navigate wisely; the journey requires a knowledgeable guide. Embrace the magic of cash-out refinance and chart a course to prosperity. Schedule a free consultation today and unlock your financial potential!

  • Break Free with Debt Consolidation: Imagine your high-interest debt—a shadow over your finances—transformed into a single, manageable payment. This is the promise of debt consolidation. By combining multiple debts into one, you unlock lower interest rates and a path to financial ease. No more juggling creditors; just one harmonious payment strategy. Yet, tread wisely; this journey requires a knowledgeable navigator. Discover the power of consolidation: simplify your finances, regain control, and step towards financial freedom. Consider a free consultation today to explore your path out of debt.

  • Unlock the equity in your home with our flexible HELOC, offering competitive rates while keeping your low first mortgage rate intact. Close in just 19 days and gain easy access to funds for renovations, debt consolidation, or unexpected expenses. Enjoy affordable monthly payments with no hidden fees. Apply today and make your home equity work for you!

  • Elevate Your Home with Equity: Use your home's equity to fuel renovations that dramatically increase its value. A smart upgrade can significantly boost your property's worth. Plan wisely, invest in impactful improvements, and watch your home's value soar. Unlock your home's potential—a strategic move towards greater wealth.

  • Rebuild Your Credit with DocApply™ Mortgage Brokers: Facing financial hurdles? With programs for FICO scores as low as 560 and an understanding of 1x30 late payments, we offer a fresh start. Tailored solutions await you to navigate credit challenges, empowering you to overcome setbacks. Explore your options and emerge stronger. Discover a brighter financial future with us.

  • Embrace a 15-Year Loan: Accelerate home equity, save on interest, and achieve debt freedom quickly. Benefit from lower rates, enhanced stability, and inflation protection. This choice paves the way for future financial freedom and opportunities. Unlock possibilities with a 15-year loan—transform your financial future now.

  • Fast-Track to Early Retirement with a 15-Year Loan: Break from tradition and seize a 15-year mortgage to hasten your journey to financial freedom. This choice accelerates debt repayment, unlocking early retirement possibilities. Enjoy life's next phase sooner, with the wealth and time to fulfill your dreams. Embrace this bold move—secure your future today.

 
 
 

HOME PURCHASE

Unlock homeownership with just a 3.5% down payment and no AMI or first-time buyer restrictions. With Boost Plus, we accept FICO scores from 580, negotiate seller concessions, waive processing fees, offer free appraisals, and close in 30 days or less.

Need to renovate? Our Fannie Mae HomeStyle Renovation loan lets you include renovation costs in your mortgage.

 
 
  • Unlock the doors to homeownership with DocApply Mortgage Brokerage's Boost Plus Program! Whether you're a first-time homebuyer or a seasoned investor, our program is designed to make your dream home a reality. Start with just a 3.5% down payment, supported by government-backed grants—no AMI restrictions or first-time buyer requirements. We proudly accept FICO scores as low as 580, and our experienced realtors expertly negotiate seller concessions on your behalf. Plus, enjoy waived lender fees and a free appraisal to further ease your path to owning a home. With DocApply, homeownership is closer than ever.

  • Discover Conventional Loans: Dive into the world of Conventional Loans, free from government ties, offering both conforming and non-conforming options tailored to you. Start with just 3% down, skip the hefty upfront fees, and enjoy lower monthly payments. Step smartly towards homeownership—explore your possibilities today.

  • Embrace FHA Loans: Unlock homeownership with just 3.5% down through FHA Loans, a government initiative making dreams possible. Yes, there's mortgage insurance, but it's a safeguard for your future. Ideal for first-timers, enjoy competitive rates that ease your market entry. Begin your homeownership journey—FHA Loans are your gateway.

  • Leverage Down Payment Assistance: Gain access to DPA programs like BOOST PLUS, Chenoa Fund, Homepossible, Homeready, and boost your buying power with up to five points toward your down payment. Whether it's FHA Loans with a 600+ FICO, Conventional Homeready, or Standard Loans with 620+ FICO, we're here to support your homeownership dreams. Start your journey with our expertise—unlock your path to home ownership.

  • Our jumbo loans offer up to $3 million in financing with flexible terms, including options for first-time homebuyers, investment properties, and second homes. With a minimum FICO score of 660, both fixed and adjustable-rate mortgages are available. We welcome non-occupant co-borrowers and consider applicants with previous credit challenges. You can also access up to $500,000 in cash-out refinancing. Ideal for high-value properties, our jumbo loans provide the financial flexibility to meet your needs.

  • Realize Your Dream Home with DocApply: Dive into exclusive incentives for new builds—appraisal fees on us, 180-Day TBD Locks for peace of mind, and options across Single Family Homes, Townhomes, and Condominiums. DocApply transforms your vision into reality. Start your bespoke home-building journey today.

  • Empower Your Rural Homeownership Dreams: Discover affordable, inclusive housing options with Rural Development's Single Family Housing Programs. Zero down payment, tailored for various incomes, and a 30-year fixed rate mortgage await. Build or refurbish your rural home—join us in strengthening America's rural communities.

  • DocApply Mortgage Brokerage Honors Veterans: Special thanks to our heroes! Enjoy exclusive loan benefits: zero down payments, no mortgage insurance, and funding fee waivers for those 10% disabled. Experience financial freedom with our tailored loans—our tribute to your service.

 
 

Commercial Loans

Expert Commercial Loan Services: Professional financing solutions for businesses. Achieve growth with DocApply Mortgage Brokerage tailored commercial loans. Elevate your enterprise today.

 
  • Elevate Your Commercial Space with DocApply: Professional, licensed brokers guide your building renovation—planning, budgeting, and contractor connections. Transform aesthetics and functionality efficiently.

  • DSCR Loans Unlocked: Tailored for real estate investors, DSCR loans assess your property's income potential, not just personal income, for loan repayment. Ideal for 1-4 unit homes and multifamily properties (5-29 units), offering a flexible alternative to traditional loans. Explore Non-QM lending with us.

 
 

Fix-and-Flips

Dive into fix-and-flip, DSCR, and hard money options designed specifically for savvy investors. Maximize your returns with our specialized lending solutions, turning investment opportunities into successes. Whether you're looking for short-term gains or long-term growth, DocApply Mortgage Brokerage is your key to unlocking potential.

For even better options, be sure to check out our BOOST PLUS program, offering competitive advantages and tailored solutions to elevate your investment strategy.

 
Beautiful, black and white image of three people looking over a skyscraper commercial development in a black silhouette with a quote from executive mortgage broker Louis Marquez

“WE ARE GOING TO MAKE A DIFFERENCE IN THIS WORLD. ”

— DOC ALVAREZ EXECUTIVE MORTGAGE BROKER NMLS 1511278

 
  • Flexible Loan Solutions: Choose from 3-month loans up to $3M, 75% LTV, for self-employed with 675+ credit, or 12-month loans up to $4M, 90% LTV, including 1099 income, no reserves or MI required. Tailored for your unique needs.

  • Boost Your Real Estate Portfolio: DocApply.com's business loans cater to 1-4 unit properties, and condotels, and allow Airbnb rentals. Benefit from cash flow qualification, up to 80% LTV, and a 575+ credit score. Grow with flexible, profit-maximizing financing options. Expand with ease.

  • DSCR Loans Unlocked: Tailored for real estate investors, DSCR loans assess your property's income potential, not just personal income, for loan repayment. Ideal for 1-4 unit homes and multifamily properties (5-29 units), offering a flexible alternative to traditional loans. Explore Non-QM lending with us.

  • Fast Funding with DocApply: Specializing in fix & flip and rental property loans, we offer quick, tailored hard money financing solutions. Schedule a FREE consultation to start your investment journey.

  • Hard Money Loan Approval with DocApply Mortgage Brokerage: Tailored, straightforward lending for investors. Contact us for personalized guidance.

  • Diverse Loan Solutions by DocApply: Financing for SFRs, 2-4 units, condos, and more. Cash flow-based qualification, up to $2M loans, no reserves up to 75% LTV, no income verification, with ARM and fixed rates available. Explore flexible financing for your investment property.

  • Rehab Mortgages Unlocked: Finance your fixer-upper's purchase and renovation with one loan. Transform potential into your dream home. Start with us today.

  • FHA 203(k) Rehab Loans: Finance your home's purchase and renovations in one go. Simplify with rate and term or cash-out options. Begin your renovation journey with us.

 
 

ITIN/Foreign National Loans

Empower Your Financial Dreams with Us: Navigate life's financial journey with a suite of solutions tailored for you. From traditional mortgages and ITIN loans to SBA financing and hard money loans, we support every step. Explore, dream, and achieve with our personalized programs. Your journey to success starts here.

 
 
  • To qualify for our loan program, provide a good standing letter from your financial institution or an international credit report. Program details: 1-4 unit properties, up to $2M loans, no income, job, or credit checks, no reserves needed, non-owner occupied properties, adjustable and fixed-rate options, max LTV 70% for purchase, 65% for refinance, condotels and pudtels accepted. Contact our loan consultants for personalized terms.

  • Qualify for our loan program with ITIN, Full Doc or SE options, no reserves up to 75% LTV, 2-year income history, valid ID, max LTV 80%, up to $1M loans. Contact our consultants for personalized advice.

 
 

Business Loans

Discover the diverse range of business loan options available at DocApply Mortgage Brokerage. We're here to support your unique business needs. Apply today!

 
 
  • Supercharge Your Real Estate Portfolio! DocApply.com's Business Purpose Loans: 1-4 Units, Cash Flow Qualification, Condotels, Airbnb Friendly, Yield Spread, Up to 80% LTV, Flexible Credit, LLC Optional.

  • Boost Business Efficiency with DocApply's Equipment Financing: Quick Access, Affordable Options, Preserve Capital, and Enhance Productivity. Elevate Your Operations Today!

  • Elevate Your Business with Tailored Financing. Industries include Accounting, Healthcare, Funeral Homes, Dental, Transportation, Restaurants, Auto Repair, Retail, Medical, and Construction.

  • Empowering Startups and Entrepreneurs. Get Lines of Credit, Fast Funding, Easy Application, and Personalized Assistance. Fuel Your Business Today!

 
 

CREDIT OPTIONS

Transform Your Mortgage Journey with DocApply Mortgage Brokerage: Don't let credit scores hold you back. In just three business days, we can tailor mortgage solutions to fit your unique situation. Embrace competitive rates, flexible terms, and personalized guidance. Step into homeownership with DocApply Mortgage Brokerage.

 
“IT’S AMAZING TO HAVE GREAT CREDIT…BUT IF YOU DO NOT, WE STILL HAVE AMAZING OPTIONS AND CAN ASSIST YOU. ”

— DOC ALVAREZ NMLS 1511278

 

PREVIOUS CLIENTS

 

“Doc was really awesome to work with! Very friendly, knowledgeable and personable. Not only was he responsive but very helpful every step of the way. He was referred to me when I first bought my house and I was happy to work with him again when I refinanced. I highly recommend his services!”

— Jazmine Inn (Facebook)

“Louis has been wonderful to work with. I really appreciate his level of service and professionalism in helping me to get a loan and assisting me with all the papers. I will certainly recommend him and the DocApply team to friends and colleagues in need of a mortgage broker”

— C. Taylor (Google)

 

“Their level of professionalism is the gold standard!”

— A. Hyde (Facebook)

“This will be second time working with Doc ..His professionalism and dedication is a rare trait these days ..I recommend him highly.”

— Denise Zuniga (Facebook)

 

“Very helpful, thorough and resourceful. Doc gets an A+ for sure!.”

— Kacey Busch-Macias (Facebook)