What our clients say.

“We had an amazing experience working with HyperSmart Home Loan, especially Michael Holt! As first-time homebuyers, we had a lot of questions and were stepping into a completely new world, but Michael made the entire process feel so much less overwhelming. From the pre-approval process to closing, he was incredibly knowledgeable, patient, and responsive. He took the time to explain everything clearly, helped us understand what we could comfortably afford, and worked hard to find the best options to help us save as much money as possible. Michael was also an incredible advocate for us throughout the entire process. We always felt like he genuinely had our best interests at heart and was looking out for us every step of the way. His team reflected that same level of excellence—everyone we worked with was professional, responsive, and clearly held to the exceptionally high standards that Michael sets. We never felt pressured or left in the dark. Instead, we felt supported and confident because Michael was always available to answer our questions and guide us through every decision. If you’re looking for a lender who truly cares about their clients and goes above and beyond, we can’t recommend HyperSmart Home Loan and Michael Holt highly enough. Thank you for helping make our dream of homeownership a reality!”

“Where do I begin? To save everyone a lot of time and trouble I'll cut to the chase. Ali and his team are simply the best I've ever dealt with! I've purchased several homes, and land as well, in the past both for personal use as well as investment purposes and Ali has set me right on all occasions. At first, when we first began our financing relationship, I went out and tried to find other lenders who might give me a better product/price but early on I found out that Ali was always honest, always had the best products, and even knew the other lenders I was dealing with and informed me on their products as well. (His are always better) His communication both during work hours and after are great and he's always a phone call away. When talking to Ali he makes you feel like you are his only customer and he not only listens but educates his clients on what everything means and breaks everything down so that you are clear every step of the way. Also, Christina is so great to deal with as well. She is very good at what she does and works in stride with Ali so well! Christina, thank you for always taking care of me and answering my dumb questions. lol. If you're reading this I hope it makes your lender decision a little bit easier and I hope that I save you some time from shopping around looking for the best lender to deal with. Ali and his team are second to none and I look forward to working with them on the next deal.”

“This was my first time buying a house in 15 years. The mortgage industry and underwriting has changed a lot since then. Frank and Jennifer helped guide me through from application to closing and funding. To say they were rock stars is a huge understatement. Anytime I had a question, Frank and/or Jennifer (and often both) were contacting me back within minutes to help me understand exactly what was needed. We had a quick turnaround due to the sale of our home and us needing to get approved quickly. They moved fast for us and absolutely rocked it. I hope to not move again anytime soon, but I would trust this company exclusively going forward!!”

“Frank Martinez at HyperSmart Home Loans was our angel. After nearly loosing our dream home due to THREE TERRIBLE lenders, we found Frank. In just 4 weeks he completely turned the situation around. He worked tirelessly to ensure we were able to close our first home. He was responsive, proactive, considerate, and most importantly, transparent, from start to finish. I know they say to be warry of lender's promises, but you can trust Hypersmart and you can DEFINITELY trust Frank Martinez!”

“Michael Holt has been an invaluable guide throughout the process of securing my most recent home loan. He takes the time to truly understand my concerns and preferences—especially important in today’s climate of high interest rates. His thoughtful approach makes what could be a stressful experience feel smooth and manageable. I tend to be impulsive when it comes to house hunting, often jumping in quickly and then pulling back if something doesn’t sit right. Over the past three years, Michael has shown incredible patience and unwavering support. He’s never rushed me, always ensuring that both the home and the financials align with my needs. I deeply appreciate his dedication, professionalism, and commitment to helping me make the right decision.”

“Just an incredibly diligent, hard working and effective group of people. Phillip, Sean, Ali and Kyle were extremely patient, pushing on completion of the loan and through underwriting through all hours of the day. Each person is a clear, quick communicator. They will help you understand the underlying concepts, why there is a blockage (if any), etc. I used HyperSmart for my first home purchase through an alt non-qualified mortgage. In addition, my business is crypto-adjacent. Those three factors (first time, alt non-qualified, crypto-adjacent) makes getting a mortgage very difficult, but they figured it out anyway.”

“Ali, Frank, and the rest of the team truly embody the term customer service. The difference is clear. I think they are the only people who may clock more hours than me. There wasn’t a time I called that they didn’t answer. That is so hard to find, they really treat each customer as if they are the only one they are helping. Being from a different city, changing jobs with a high portion of my salary commission/bonus based I had some uphill challenges, not only was I able to get the house of my dreams that literally checked every single box but I was able to do so at very favorable terms. Nobody else could have done what they did I’m glad our paths crossed. Don’t waste your time going to a big box lender or “loan broker” these guys are the real deal.”

“I would give Ali and his team 10 stars, if possible. They offer very clever solutions and went above and beyond to help us find a custom jumbo loan. My husband and I also greatly appreciated their depth of expertise and patience to walk us through every step of the process. Can't thank this team enough for making it possible for us to buy our home!”

“I definitely recommend HyperSmart Home Loans Group. Frank Martinez and his team made the process very easy. I will be reaching back if I refinance.”

“I had the best Loan officer Frank Martinez who helped and supported me through the whole loan process I plan to recommend this company to all me friends and family Thank you Pamela Saenz”

“Chris Rivas is an incredible Loan Officer! Quick and clear in his communications and on top of his game. HyperSmart Home Loans Group is lucky to have him!”

“It was amazing working with Michael and the team. Super responsive and helpful while I was refinancing!”

“Ali and Team - were wonderful to work with - professional and never pushy, honest and forthright, and extremely efficient throughout every step. I would recommend working with them! Thank you”

“Can not recommend Michael Holt enough! He made a very STRESSFUL process simple, easy, and as quick as it could be. 10/10 would recommend.”

“We recently bought a house in San Antonio and were referred to Frank Martinez by our realtor Bo Cobb. We lucked out with Frank and his team. It seems, from my perspective, that buying a house is quite complicated and nerve wracking these days. Frank was our steady hand. He never failed to be the calm in the storm. I was able to reach him no matter the time or the place. He was always nice and respectful and CALM. His team was fantastic and a well oiled machine. One will not go wrong hiring Frank Martinez. Thank you Frank for all you did for us. Wallace and Leigh”

“I had the pleasure of working with Ali and Josh at HyperSmart, and I can’t recommend them enough! They were incredibly knowledgeable, informative, and responsive throughout the entire process. Their professionalism and willingness to go above and beyond made everything smooth and stress-free. I’m so grateful for their support and would highly recommend HyperSmart to anyone looking for a reliable mortgage team.”

“Michael Holt, was a phenomenal loan officer! He was very patient with me and my wife as we navigated the overwhelming process of identifying which home loan was right for us. Michael was extremely knowledgable and took the time to explain the ins and outs of our loan. You can definitely tell that Michael has his clients best interest at heart. He is personable, relatable and reliable. I would highly recommend him to anyone looking for a loan! He was efficient, diligent and very thorough.”

“Michael Holt and team have been amazing to work with. He has been diligent, professional and kind throughout the process.”

“They have helped so many of my clients. Very knowledgeable with fast responses and many different loan options. They will work to find what loan fits best at the best rate and then walk you through every step. So whatever you need, they can help!”

“Frank at HyperSmart Home Loans was amazing to work with! As a first-time homebuyer, he made everything easy to understand and truly looked out for my best interests. Highly recommend!”

“Marlon has always been my go-to, as I’ve known him since childhood and have watched him handle every mortgage with diligence and a smile. After leaving the Marines, I knew I could trust Marlon and his team with my VA loan. They went above and beyond to make sure I got the home I wanted. I highly recommend Marlon for anyone looking for a seamless and trustworthy mortgage experience.”

“Working with HyperSmart Loans to secure our mortgage was a smooth and rewarding experience. From start to finish, their team showed professionalism, knowledge, and a genuine commitment to helping us succeed—especially Frank Martinez. Frank was incredibly helpful, persistent, and always available to answer questions or guide us through each step of the process. He went above and beyond to make sure we understood our options and stayed informed. His dedication to making us satisfied customers truly stood out. We’re very grateful for the support we received and would highly recommend HyperSmart Loans—and Frank Martinez in particular—to anyone looking for a trustworthy and hardworking mortgage team.”

“🔥🔥I WORKED WITH FRANK AND ALI🔥🔥BEST EXPERIENCE✅IT FELTCLIKE BEEN IN A 5 STAR MORTGSGE HOTEL. Credit problems✅check, irregular income✅ 🤦‍♂️SOMEHOW EVERYTHING HAD A SOLUTION FOR THEM✅They made buyer happy and we love them back for all they did😂Thank you feank and Ali for all you did cause you actually did a lot🔥🔥”

“Far and away one of the best lending experiences I've ever had. My family's entire financial picture was taken into consideration and then matched with programs that suited us. The team is easy, honest, attentive, and the process is far more advanced and unique than traditional mortgage brokers. Give Ali and the team a call, you won't be disappointed.”

“By far one of the best loan firms ive ever had the pleasure of doing business with. Its hard to find honest good people this day and age. But at Hypersmart you will find good honest people that take care of you and your best interest. Frank is one of the best men i have ever worked with. Good honest guy that helped me so much!! Thanks again frank!”

“Its an awesome experience, It was not easy but they help us a lot getting through with everything, now we finally got the house we want. Special thanks to Frank Martinez and staff for making it easier for us.”

“Awesome Awesome Awesome. Frank Martinez was great to work with. We'll definitely work with him again.”

“Ali and his team were wonderful to work with. They really looked out for the best loan option for us, answered all of our questions and truly made us feel comfortable with the process. The team is trustworthy and very on top of things - so much so that we were able to seamlessly complete the process while traveling internationally. We definitely plan to work with them again. Five starts truly earned.”

“Ali and his team were excellent to work with. They helped guide us through the entire loan process and genuinely had our backs to help get us the best rate possible, no easy task in a volatile interest rate environment. Ali took the time to get to know us, and shared his knowledge about the Austin real estate market which was immensely valuable. He was always available to talk, and graciously answered every question we had. Not to mention, he had some great restaurant recommendations! I’m very thankful to have had the HyperSmart team on our side.”

“Ali, Gina, Robert and the rest of the team are hyper exceptional with their expertise, their follow through and ultimately the ability to provide lending options especially when the rest of their competitors are unable to. Ali and his team provides excellent guidance, education and actual products with their make sense approach and manual underwriting options. So glad to have been able to meet them. Definitely a great primary option for the real estate buyer, investor and especially the agent who needs the ability to close deals when all hope seems to have been lost. Super interesting that our buyer chose a credit union who decline 3 days before closing. Ugh! The seller graciously allowed us to extend 10 business days and we are now closing with Ali & his team in 5 business days. So important that you have a good and reliable and knowledgeable team.”

“I just want to take this time out to thank Tyler Nixon for continuously making my home buying experiences one for the books Mr. Nixon was very professional and he ensured that each and every question or concern that I had was addressed this young man has truly been a breathe of fresh so thank you so much for all of your hard work and dedication that you pour into your clients it's truly appreciated I would also recommend anyone shopping for a home to reach out to Tyler you'll be glad you did”

“Robert is simply the best ..he definitely knows all the ends and outs and if he says he can make it happen feel assured”

“Frank Martinez was amazing to work with and made the entire home loan process super easy and fluid. I definitely recommend him for any future home loans.”

“Working with Hypersmart Home Loans was a smooth and easy loan process for our Jumbo Loan in Westlake. Their Team is very professional and set expectations early in the loan process. Their feedback and progression on the loan process was always welcomed and working in their online portal made it a breeze to share documents. No doubt, I will be using their services for my next loan!!”

“Couldn't be happier or more impressed by working with Ali and his entire team. They were super helpful navigating the home buying process every step of the way through closing and even beyond. They were able to offer the most competitive rates in a difficult environment and the service was amazing. The entire team was excellent, communicating round the clock, answering every question and going out of their way to ensure closing happened smoothly (which it did, even with the option to close early). Highly recommend Ali and his team for any home buying process!”

“Ali made the process painless and we are forever grateful”

“I can’t say enough good things! Worked with Ali and his team on numerous deals now and have only had positive experiences. My clients were well taken care of, with no delays in the process. I trust this team to effectively communicate and problem solve. They’re the best!!”

“Ali and his team came through for us in the eleventh hour. After our home fell out of escrow twice and the closing of our new home was only weeks away, we had a viable option to move forward. Selling and purchasing a home can be a very stressful time and Ali and his team were compassionate and helpful and had so many options available to us.”

“I purchased my home after repairing my credit for 5 years..Hypersmart made the process of obtaining a mortgage seamless and personalized. I highly recommend!”

“I'll never use anyone else - I'm so impressed with this team.”

“Great team to work with.”

“Ali and his team have quickly become one of my go to recommendations for clients, especially Jumbo loan products.”