Based in Davie, FL, Barry Hochberg Mortgage proudly serves homebuyers across the state of Florida—from the Miami and Fort Lauderdale areas all the way up to Jacksonville. We're your gateway to specialized mortgage programs that make homeownership more accessible than ever.
Are you a first-time homebuyer? Our programs are designed to ease your entry into the housing market. With options like down payment assistance, you can overcome the initial financial hurdles. Imagine the relief of knowing upfront costs are covered. Have you explored our Home Town Heroes program? Through the state of Florida, eligible buyers can receive 5% of the loan amount for their down payment, making your dream home closer than ever.
Our first-time homebuyer loans are specifically tailored to meet the needs of new buyers, offering flexible terms and support throughout the process. Let us help you take the first step toward owning your home.
Call us to learn more about our specialized programs.
How Our Process Works
Our specialized programs are designed to make homeownership achievable for everyone. With a focus on personalized service, we guide you through each step. We begin by understanding your unique financial situation and homeownership goals. Our team then matches you with the right program. Here's what you can expect:
- Initial consultation to assess eligibility
- Guidance on available down payment assistance programs
- Support in navigating first-time homebuyer loans
- Assistance with the Home Town Heroes program
- Ongoing support throughout the buying process
Explore your options with us and start your journey to homeownership.
Specialized Loan Options at Barry Hochberg Mortgage
In addition to Conventional, FHA, and VA loans, Barry Hochberg Mortgage offers a full range of specialized lending options, often called Non-QM (Non-Qualified Mortgage) loans. These programs are designed for borrowers who may not fit traditional lending criteria but still have the financial strength to secure a mortgage.
Most commonly, these loans are ideal for self-employed borrowers who write off a significant portion of their income on tax returns, making it appear lower than it actually is. In that case, a Bank Statement Loan is often the perfect solution. With this program, income is verified using deposits from either personal or business bank statements, rather than tax documents, providing a more accurate picture of real cash flow.
Another popular program is the DSCR (Debt Service Coverage Ratio) Loan, commonly used for investment property purchases. This loan bases approval on the property’s potential or actual rental income, not the borrower’s personal income. It’s a great option for investors who want to expand their portfolio without using traditional qualifying methods.
Barry Hochberg Mortgage also provides financing for:
- Foreign Nationals seeking to invest in U.S. real estate
- Borrowers with lower credit scores who need flexible underwriting
- Real estate investors using rental income from other properties to qualify
- Asset-based borrowers who have no regular income but sufficient assets (at least 125% of the requested loan amount)
- Retirees or individuals who can use short-term distributions from retirement accounts to establish a qualifying income
At Barry Hochberg Mortgage, if a loan can be written, there’s a good chance we can get it financed — always at ultra-competitive rates and with personalized service tailored to your situation.
Benefits of Non-QM and Specialized Loan Programs
These flexible loan programs offer unique advantages for borrowers with nontraditional financial profiles. Key benefits include:
- Flexible Qualification Options – Approval can be based on alternative documentation such as bank statements, asset balances, or rental income instead of strict W-2 or tax return requirements.
- Expanded Access to Financing – Perfect for self-employed individuals, investors, retirees, and others who might not meet conventional lending standards.
- Investment Growth Opportunities – DSCR and other investor-focused loans make it easier to purchase additional income-producing properties and grow your portfolio.
- Customized Solutions – Each loan is tailored to your unique financial situation, with terms and structures that fit your goals.
- Competitive Rates – Even though these are specialized programs, Barry Hochberg Mortgage consistently offers rates that remain highly competitive across all loan types.
- Fast and Efficient Closings – With local expertise and streamlined processes, approvals and closings are designed to move quickly — so you can secure your financing with confidence.