How This Works


Specialized Service

When baking a cake, you need to be mindful of the ingredients you use. Skip a vital ingredient and you will most likely fail. Mortgages work exactly the same way. If you don’t know exactly how much house you can afford BEFORE you start looking, you risk failing in your endeavors. It’s not just about how much homework you do, it’s about working smarter.

A pre-approval only takes moments but saves you valuable time. Simply begin by filling out our questionnaire to better understand what your needs are. We don’t believe in the one-size-fits-all approach to mortgages. It’s simply ridiculous to think we can all fit into the same mold.

You may be pleasantly surprised in what you can afford or maybe you might choose to hold off on your purchase until you can afford the home you wish to buy. Either way, the choice is yours. Our job is to guide you when choosing the right type of mortgage for your needs at the best rate possible.

So why not get your cake and eat it too?



The Choice is Yours

When buying a property, you will need a realtor who has extensive knowledge of the area you are looking to buy. Most people don’t realize how important this is. We work with the best and most specialized realtors in order to serve you better.

You have developed a close relationship with your realtor. After all, this person is helping you find your dream home. Now you are ready to apply for a mortgage and you have to go speak with someone from a mortgage company you know nothing about. You don’t know this person and probably will never even meet this person, yet this loan officer will be guiding you in one of the most important financial decisions of your life. Depending on the state you are in*, our realtors are also licensed loan officers. No surprises and no obscure people over the phone. If you feel comfortable with our realtor and want them to handle your loan, only Hypotec makes that possible (*State regulation permitting).



Technology Is Our Friend

We asked ourselves how can we make the closing of a loan faster and less of a hassle for the borrower. We realized that the document transmission process in the mortgage world is a major hassle and extremely time consuming. Why not use technology to make document transmission easier, faster and more efficient? Simply upload your documents to our secure website. No faxing, no scanning and no mailing – all of which slow down the approval process. Just drag and drop. It’s that easy. Now you can apply for mortgage online.