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Homeownership is a major step, and a big investment. Whether you’re buying your first home or just getting back into the market, make sure you’re equipped to make smart decisions at every step of the journey. Buying a house is an exciting milestone in your financial life and HyperSmart Home Loans is here to assist you with your questions.

Frequently Asked Questions

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What loan types and scenarios can HyperSmart handle?

From asset-rich retirees to business owners, tech-entrepreneurs, entertainers, investors, doctors, lawyers, first-time homeowners, HyperSmart is equipped to handle all loan types as our loan advisors build a targeted and streamlined solution for your scenario.

What is the difference between a conventional loan and a jumbo loan?

A jumbo loan is a mortgage that exceeds the conventional loan limits set by Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac are both government-sponsored enterprises chartered by Congress to stimulate homeownership and provide liquidity to the mortgage market established in 1938 and 1970 respectively. They set the rules and ultimately hold all conventional loans.

The current loan limits vary by location and county. In 2022, many of the larger counties have the loan limit of $647,250. Our mortgage advisors will review your specific scenario for loan limits as part of your consultation.

Do all mortgage loans require tax returns and paystubs for income qualification?

Absolutely not. Many HyperSmart loan products are tailored for these scenarios and do not require tax returns or paystubs. This includes jumbo loans for primary use, second home, and investor properties. HyperSmart even has investor loan products with no income qualification at all.

Do all mortgage loans require perfect credit?

Hypersmart has loan products down to 580 FICO (including certain Jumbo loans). Many self-employed, professional, and traditional clients incur life circumstances that may impact their credit such as divorce, business separation, natural disasters, and medical issues. These unique events are often short term but cause long term issues on credit profiles. HyperSmart understands these life events which is why our tenured mortgage advisors build creative financing solutions to limit barriers in the home financing process.

What is a Non-QM loan?

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans (such as tax returns or W2s). Common examples include using bank statements, profit and loss statements of your business, or using your assets to qualify instead of income.

HyperSmart frequently handles Non-QM loans. Our founder Ali Hedayatifar was independently named by the periodical Scotsman Guide as the #53 top Non-QM loan originator in America for 2022. In 2020, 2021 and 2022, Ali was named in the top 1% of loan originations nationwide amongst two national periodicals. We are Non-QM specialists.

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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.