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Hypotec

4.9 (11 reviews)
Open 9:00 am - 7:00 pm

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Review Highlights - Hypotec

Richard has been the most helpful and hard working person I've worked with in real estate/mortgage industry.

Mentioned in 3 reviews

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Ferrari Lending - Best mortgage broker in Boca Raton FL | Investment properties

Ferrari Lending

(1 review)

I had a few deals with Alexandre Ferrari ( Ferrari Lending) the 2 last ones was amazing. My buyers…read moregot the Clear to Close within 7 days. As a Realtor is very important to have a Loan officer to keep you in the loop and also to give a smooth closing for your Buyers. I do recommend Alexandre Ferrari for all my buyers.

From the owner: Best mortgage broker in Boca Raton | Mortgage lender | Mortgage loan officer in Boca Raton |…read moreCommercial mortgage broker | Residential mortgage in Boca Raton | Home mortgage lender - DSCR loans - FHA loans - VA loans - USDA loans - Conventional mortgages - Foreign National mortgage - QM mortgage loan - Non QM loans We get loans others fail to secure, period! Ferrari Lending | Your Trusted Mortgage Broker Looking to buy a home, refinance, or access a Home Equity Line of Credit (HELOC)? Ferrari Lending makes the mortgage process easy with customized loan solutions for every borrower. Whether you need Conventional, FHA, VA, USDA, Bank Statement, ITIN, Foreign National, or DSCR loans, we’ve got you covered! As an independent mortgage broker, we connect you with multiple lenders, ensuring competitive rates, flexible terms, and expert guidance. We specialize in helping self-employed borrowers, foreign nationals, and non-traditional cases, making home financing simple and stress-free. At Ferrari Lending, we believe in transparency, personalized service, and client empowerment. Our bilingual team (English & Portuguese) is here to guide you every step of the way. Whether you're a first-time homebuyer, real estate investor, or looking to refinance, we’ll help you achieve your financial goals with professionalism and integrity. Contact us today for a free consultation!

Phil Ganz - Next Wave Mortgage

Phil Ganz - Next Wave Mortgage

(61 reviews)

I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

I've worked with Phil multiple times over the course of 7 years and can't recommend him highly…read moreenough. He's a trusted advisor who makes the mortgage process clear and manageable. Phil takes the time to walk through all the options, helps you make informed decisions, and is incredibly responsive and easy to work with. He's flexible, reliable, and always available when you need him -- truly a partner you can count on during an important financial decision!

Jennifer Beeston at Rate - Jennifer Beeston

Jennifer Beeston at Rate

(51 reviews)

I found Jennifer watching a You Tube video and contacted her while house shopping. I ended up…read morepurchasing a new construction home so used the builder's lender to get the great incentive. Jennifer's team quickly reviewed my loan documents and gave the thumbs up, even though it wasn't with them. I can't tell you how much value they added to make me feel confident moving forward with the biggest purchase of my life. I would absolutely recommend Jennifer and her knowledge and highly responsive team!!

The past few years have been an uncertain time in the housing market. It is not an easy time for…read moreyoung families and first-time home buyers. 6 months ago we were first-time home buyers that knew nothing about purchasing a home. All we knew was "we want to own a home." I've been following Jennifer's youtube channel since 2022. She has so much useful information regarding purchasing a home. So she came into my mind when we decided we want to buy a house in 2024. Jennifer and everyone on the team were so patient in explaining all of our questions to us. She gave us no pressure with using her as a lender. We did compare with other lenders but still decided to trust Jennifer with our loan. From we started our loan process to closing to post closing, we were outside of the United States for the whole time. That added a lot of complicity to our process, but of course my super lender made this whole process possible for us. She even recommended an AWESOME agent, Gisela Spencer to us. Since we were stationed overseas, and had no local connection with any agent in our "new home" area, I asked Jennifer's team for recommendation. And OH BOY, Gisela is amazing!! I love Jennifer's team because they are so personal and really listen to our needs and make owning a home possible for us. Process of purchasing a home can be stressful. But with Jennifer's team and Gisela helping us staying on top of tasks we were able to close within a month after our offer was accepted! If we have the chance to purchase another home in the future, I will definitely come back to Jennifer. - Judy

Bayburg Financial - Congratulations to Davika Bhikham & family on their New Home Purchase! #bayburg #adambayer #treatingloansasouro­wn #mortgage #florida

Bayburg Financial

(5 reviews)

Josh is the best !! He took action when needed and always had our back and best interest. He was…read morealways available everyday , nights ,weekends etc. I had dealt with other brokers before and never dealt the way he made us feel --like family. He will tell you like it is and is very real. We dealt with so many issues that he always was the one I could lean on and who stepped up to the plate for us in so many ways. Thank you Josh for all you did and I recommend him to anyone !

Go elsewhere for your mortgage needs unless you like to be cheated out of thousands of dollars in…read moreclosing costs. After I got the initial estimate to close I contacted my broker and asked why my closing costs were so high. He assured me that one of his assistants made a mistake and he sent me a new estimate with much lower closing costs. Fast forward a couple of weeks and after asking at least 15 times for our final costs we finally got it out of them as we were driving to sign final docs. We turned around and went home when the number they quoted was curiously close to the original estimate. I asked the broker about the revised estimate and he said "what revised estimate". When I got home and emailed the revised estimate to him he said "yeah, but you didn't sign it". My mistake for not signing it but I made a bigger mistake by selecting Bayburg Financial in the first place. I have done over 12 mortgage loans in my life and Bayburg Financial takes the cake as the "worst ever".

Hypotec - mortgagelenders - Updated July 2026

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