Award-Winning Mortgage Lender. Local Expertise with National Reach

About Us

A team of professionals working for professionals.

HyperSmart Home Loans has helped clients purchase and refinance homes for years. We have weathered many storms over the years and successfully guided our clients through market highs and lows. We offer seasoned guidance and mortgage expertise, a diverse array of loan products, private lending service, and great pricing.

Our Leadership

Ali Hedayatifar

Founder - NMLS# 1817352

Ali is recognized as being in the top 1% of lenders on production level nationally by the Scotsman Guide and Mortgage Executive Magazine in 2020, 2021 and 2022. He is also recognized as the #53 loan originator in the nation for non-qm loans by the Scotsman Guide in 2022. Ali and his team regularly handle complex real estate financing for entrepreneurs, doctors, attorneys, executives, investors, celebrities, professional athletes, fund managers, and other high-net worth clients.

Ali grew up in Austin and later earned a BS from Baylor University in Economics. He subsequently earned his Juris Doctor from Texas A&M University and entered private law practice as an attorney at regional and national law firms representing large banks, government enterprises such as Fannie Mae, and national mortgage companies during the financial crisis. After the financial crisis Ali transitioned from law practice to building financial institutions, insurance, and real estate companies in private equity as the President of a private investment company. In 2017 and 2018, Ali led several successful exists, including the sale and divesture of leading national mortgage and title insurance concerns based in Texas and Florida.

Ali and his team are now building HyperSmart Home Loans into one of the fastest growing boutique lenders in America. They are focused on specialized and traditional loan products, great pricing, white-glove customer service, and employing tenured staff coupled with modern systems to significantly improve the lending experience for their clients and referral partners.

Ali is also the Founder and CEO of CIMA AI, which is an advanced AI start up in Austin focused on predictive analytics and marketing automation in the financial services market.

Ali lives in West Austin with his wife, and three sons. When off the clock, he is passionate about philanthropy, vintage cars, live music, and fitness.

Phillip Morris

COO - NMLS# 210092

Phillip is the Chief Operating Officer at HyperSmart. In his current role, Phillip provides strategic and administrative leadership to the day-to-day company operations. As a former top-producing loan originator and 20+ year veteran of mortgage banking, Phillip has built a successful career streamlining and scaling mortgage operations. This includes building strategies to drive enterprise business growth for loan officers and maximizing a positive customer experience.

Francisco "Frank" Martinez

Senior Mortgage Advisor - NMLS# 1938671

Frank is a Senior Mortgage Advisor at HyperSmart. Frank helps clients navigate the mortgage process to obtain the dream of home ownership. As a former school administrator and educator of 16 years, Frank focuses on educating clients on the best loan programs and options available. Frank holds a Bachelors of Education from St. Edwards University and a Masters in Education Administration from Concordia University.

Request a free consultation with our experts.

Mortgages can be complicated, our mortgage advisors build relationships with our clients to ensure we're able to meet your immediate and long-term financing needs.

Let's Discuss Your Loan Options

We can provide a loan catered to your needs. Talk to one of our Mortgage Experts today.


6720 Vaught Ranch Rd, Suite 140, Austin, Texas



CORP NMLS# 2179191. Xpert Home Lending, Inc. dba HyperSmart Home Loans is licensed by the CA Bureau of Real Estate, Real Estate Broker’s License ( DRE # 021667858). Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to In all states, the principal licensed office of Xpert Home Lending, Inc. is 1100 Satellite Blvd NW, Suwanee, GA 30024; Phone: (916) 474-9051. This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.Equal Housing Lender.