Award-Winning Mortgage Lender. Local Expertise with National Reach

HyperSmart Loan Programs

Our dedicated team of mortgage professionals will take you loan from application to funding quickly and with great terms. See below for examples of our available loans programs.

Conventional Loans

  • 3% Down Payment Loans for First Time Home Buyers, including enhanced terms for those who meet income limits set by government sponsored agencies.
  • Traditional Conventional Loans.
  • Multifamily (2-4 units) Conventional Loans with 5% down for primary use.

Alternative Income Qualification Loans (No Tax Returns Required)

  • Bank Statement Loans (Personal & Business). Qualify based on bank deposits.
  • P&L Only Loans. Qualify based on CPA prepared profit and loss statements.
  • DSCR Loans. Investment Property Loans with no income qualification. Qualify based on rental appraisal.
  • 1099 Only Loans. Qualify based on CPA prepared profit and loss statements.
  • WVOE Loans. Qualify based on verification of employment letter from your employer.

Government Loans

  • 3.5% Down Payment FHA Loans (including 4-unit multifamily).
  • 0% Down Payment Loans for Veterans.
  • 0% Down Payment Loans for Rural Properties with USDA.
  • Government Loans with sub-580 credit score, and manual underwriting available.

Jumbo Loans

  • 5% Down Payment Hybrid-Jumbo Loans up to $1,070,000 purchase price.
  • Alternative Jumbo Loans that do not require income qualification.
  • Low-Rate Private-Client Jumbo Loans with exceptional rates.
  • Super Jumbo Loans over 5 Million, including products that do not require tax returns or traditional income qualification.

Construction Loans

  • Jumbo and Traditional Construction Loans.
  • 0% Down Payment Construction Loans for Veterans.

Commercial Loans

  • Car Condo Loans, including financing for improvements.
  • Commercial Loans for acquiring Office Buildings, Retail Stores, Warehouses, Self Storage Buildings, and Auto Repair Shops.
  • Commercial Bridge Loans, including cash out.
  • Home Builder Construction Loans, and associated Development Loans.
  • Other Specialty Loans

    • Bridge Loans (Residential and Commercial).
    • Fix & Flip Loans for investors looking to buy, rehab and sell homes. Renovation costs rolled into the loan.
    • Condo Hotel Financing / Unique Properties.
    • Lot Loans.
    • ITIN Loans to qualify without social security number.
    • Foreign National Loans for Investment and Second Home.
    • Foreign National, Work Visas, Treaty Visas, Student Visas, Diplomatic Visas, DACA, and EAD, OPT, CPT permits Allowed – No US credit required.

      Farm & Ranch Loans

      • Farm and Ranch Agriculture Loans with no traditional income qualification. These loans are underwritten to the income potential of the farm or Ranch.
      • Acreage and hobby farms allowed with no acreage limit, AG zoning allowed.

      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.