Hundreds of loan programs. One senior mortgage banker on your file.

“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!”

Felicity Perry

“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.”

Mckenzie Dudley

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

Araceli Flores

“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.”

Lee Conway

“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.”

John DeLaGarza

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

Robbyn Miller