HyperSmart Home Loans

The property qualifies. Not your paycheck.

Our portfolio DSCR loans underwrite the rental income, not your personal income. No tax returns, no W2s. Short-term rentals welcome.

Business purpose only.
Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Banks read your tax returns. We read your bank statements.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

A private-wealth mortgage experience. For every borrower.

Jumbo lending with white-glove service, from application to closing. Loans to $20 million, excellent rates without moving deposits.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Complex income. Uncomplicated process.

RSUs, K1s, trusts, multiple entities. We underwrite the full picture. Loans to $20 million, excellent rates without moving deposits.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Above conforming limits. Beyond conforming service.

Jumbo loans for high-value homes, handled by mortgage bankers who do this every day. Loans to $20 million, excellent rates without moving deposits.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Growing your portfolio?

DSCR lending scales with your properties and is not limited by your personal debt-to-income. Loans up to $4 million.

Business purpose only.
Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

No tax returns. No W2s. No DTI. No ratio DSCR.

DSCR loans with low and true no ratio. Without horrendous hard money rates.

Business purpose only.
Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Denied by a big bank? That was their process. Not your profile.

Portfolio lending is built for how business owners actually earn.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

Your CPA minimizes your taxes. Your lender should maximize your buying power.

Qualify on your actual deposits, not your Schedule C.

Kyber Mortgage Corporation dba HyperSmart Home Loans | NMLS #2653540

We are self-employed mortgage specialists. If you are buying a home, wanting to refinance, or take cash out, and are self-employed, HyperSmart is here to help. We also offer loan amounts to $20M!