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. All done in-house with quick closings and great terms.

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Jumbo Loans

  • 5% Down Payment Hybrid-Jumbo Loans up to $1,027,000 purchase price.
  • 0% Down Payment Medical Professional Loans up to 1M. Larger loans considered.
  • Low-Rate Private-Client Jumbo Loans with exceptional rates.

Construction Loans

  • Jumbo and Traditional Construction Loans (including Super Jumbo Loans over $4M).
  • 0% Down Payment Construction Loans for Medical Professionals and Doctors.
  • 0% Down Payment Construction Loans for Veterans.
  • ADU Construction 2nd Lien (to build guest house or accessory dwelling unit without paying off your current primary mortgage).

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.

Conventional Loans

  • 3% Down Payment Loans for First Time Home Buyers.
  • Traditional Conventional Loans.

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.

Other Specialty Portfolio Loans

  • Bridge Loans (Residential and Commercial).
  • Fix & Flip Loans.
  • Condo Hotel Financing / Unique Properties.
  • Lot Loans.
  • ITIN Loans to qualify without social security number.

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.


1100 Satellite Blvd NW, Suwanee, GA 30024




CORP NMLS# 2179191. Xpert Home Lending, Inc. 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. HyperSmart Group is a team of Xpert Home Lending, Inc.