I was pleased to work with Carolyn and her crew in refinancing my home. Everyone on her team was knowledgeable and efficient. The process went off without a hitch. It took a little longer than I anticipated but I realize they were helping many other clients so it was acceptable. I would recomm...
I am pleased to write this review. I recently refinanced my home to a fifteen year mortgage. I was quite nervous as I understood my payments would change. My agent was Richard Khalifa. Mr. Khalifa was extremely knowledgeable, patient and worked through all possible scenarios until we found the one m...
Pejman "PJ" Gabayan from Hypotec helped us with the initial purchase of our home and recently completed a mortgage refinance for us. Working with him was an absolute joy from start to finish.
PJ hustles more than anyone I have ever worked with. He is completely on top of every detail and constant...
As a first time home buyer, they made the mortgage loan process extremely easy. Freddy is very professional and helpful.
Fantastic team and experience from start to finish. I was working with 2 brokers and a bank for rates during the height of the refinance rush when there was tremendous backlog. Hypotec always put me first and were able to explain and accommodate at every step of the way in addition to coming in at l...
Hi I have to say that Anthony came thru with flying colors. Thank you Anthony, it did take a while but it finally happened. I am happy and pleased with the process and it was worth the wait. Thank you Anthony.
Great customer service considering the patience required to facilitate an elderly, hard of hearing and computer illiterate on the other end.
I have used Hypotec twice in the last 5 years to capitalize on lowering my APR and then cash out option the second time. Top notched staff that can find a way to make it work when other lenders say it can not be done. Call and find out for yourself!
Richard Khalifa once again came through. We wanted to take advantage on the low rates for our VA loan and Richard made it quick fast and easy. He can make it happen. Thank you Richard for always having our best INTREST in mind!
Robert Knight
Anything about mortgage can be very stressful to folks like me that do not know the language. Vincent Monty with Hypotec made this refinancing a pleasure. From the beginning he made me feel I was in good hands and I could trust him. All the numbers he drew for me were exactly the numbers at closing....
Was easy working with Richard. Walked me through the process step by step. This is my 3rd time with Richard and will be glad to do it again.
I worked with senior loan officer Pejman Gabayan from Hypotec on two occasions. On both times he was able to get me the lowest refinancing interest rate. He was always there to help me from start to finish. He never hesitated to answer every question I had, he would even answer my calls on late ev...
I ve know Pejman Gabayan for quite some time now but never used their services. Recently found myself needing to refinance and my prior refinancing company didn t meet my criteria and reached out to Pejman. It was smooth sailing from then on! I highly recommend Hypotec and specifically Pejman Gabaya...
I was entrusted with my new loan by Pejman Gabayan. There is nothing he wouldn't do to help with my my loan. His work is impeccable and kept me well informed. He would always reach out to me when rates are low to see if it's time to refinance. This is my second loan within three years and I would...
Mr Khalifa was unbelievable and he really delivered more than expected. He fought for us and really got us the best rate possible. Thank you to the great Hypotec team.
What can I say about Hypotec agent Pejman Gabayan other than simply amazing!! I was in the process of assisting my parents with refinancing their properties and PJ was referred from a close friend who had nothing but high praise. After a few conversations, I was extremely confident with PJ's experti...
We were referred to Richard Khalifa by a dear friend. His conviction in the referral was reaffirmed by telling us that Richard Delivers . We now share that same sentiment. We have done business with Richard on more than one occasion and he truly has delivered to his promise of honesty, accurac...
Linda & Bob,
We really appreciated PJ as an excellent agent with in your Company in handling our refinancing of our home. And our family was well served with his professionalism and openness.
Whiting family, Thanks you
The HYPOTEC team is amazing!!! I dealt with Richard and I can only say it was a 5 star experience. Knowledgeable, trustworthy, experienced and a just plain - perfect experience. I bought a house in a new state so having a lender be more than a supportive voice but a stellar communicator was ideal! I...
Richard was my loan officer and by far the best that I have ever dealt with. Richard by far exceeded any and all expectations. Hands down I recommend Richard if you are looking to Refi and anything else he has to offer. Keep up the great work Richard!
No hesitation in contacting you and staying engaged. I've had no issues with them. Pat Thompson
Carolyn was excellent, kept us informed and guided us throughout the entire process. No glitches. I highly recommend her.
This was such a smooth, "non-invasive" process that I couldn't believe it. I dealt with another refinance company that wanted everything except my dental charts. It took six months, with lots of do-overs because time had expired on certain documents. Hypotech and Anthony Castelli were absolutely w...
Professional, efficient and friendly. Highly recommend using them.
Hypotec, did a great job in helping me to obtain a great loan with outstanding professionalism. The team pulled through. Jordan was very patient and helpful through every step. You won't be disappointed asking for him to assist in your financial needs.
Everyone was very pleasant, and I loved the fact that the people involved stayed with you to the end of closing and called you every day. Everyone made refinancing less stressful. I would recommend Hypotec to friend's and family.
Ms Carolyn Brown is a jewel of a person and for sure one of the most tremendous assets to Hypo-tech. Her knowledge is second to none, her customer service etiquette, kindness, caring attitude was such a refreshing and comforting aspect of our experience. She made sure that we got the best rates poss...
It was a pleasure to deal with Pejman, Highly recommended.
Pejman Gabayan (PJ) worked tirelessly to arrange our loan refinance so all necessary events culminated during my husband s visit home from an overseas military assignment. PJ was easy to get ahold of via text, email and phone calls. He stayed in touch and answered all communication thoroughly and pr...
Had a great experience working with PJ. He s honest and forthcoming with patience and understanding. Very helpful with details.
My loan officer Michael S. Fernandez assisted me with my loan and guided me every step of the way. His professionalism and excellent customer service along with his assistant, Marcus Decarie made my loan process a smooth one. I will definitely recommend your services to anyone looking to obtain a mo...
Richard Khalifa is the guy to call if you want to make your dreams come. Whether it's to buy your dream home or refinance an existing loan, he will make it happen. When faced with an impossible scenario he takes it on a personal mission to make it happen. Not once but twice I have had him make thing...
PJ was the person who assisted me in refinancing my home even though I didn t have good credit. He was great, knowledgeable, courteous and everything else I was looking for in someone representing my case to the banks. Along the way I received assistance from other members of the Hypotec team and th...
I'm very pleased with how Pejman Gabayan handled refinancing my home. Everything that was promised to me was fulfilled. The process was very fast and painless.
Finally our refinance is done
A million thanks to Richatd Khalifa by hypotec who made it possible. A lot of hindrances along the way but he never gave up . It took a little longer as expected , but he gave us a very good deal. I searched mortgage lender through online and saw positive reviews ...
I recently refinanced my mortgage through Hypotec's Caroline Brown, I consider myself very lucky that she was my agent as she was totally helpful look over my interests and made sure that the paperwork was done according to the rules. Thanks to her help I closed on my mortgage and received all tha...
I worked with Pejman and he was super efficient and helpful. He got me a low rate and money back at the closing. Definately reccomend him and Hypotec.
The first people I spoke to when I called was Olivia, then transferred me to Mr Ben. They're great people. They take care of your concerns. They keep me busy and update from start till the end.
Olivia discussed with great care my homeowner insurance declaration with the agent.
Good job . Thank you...
Richard Khalifa had helped my family and I close on our first home. He was very efficient in allocating his time to help us streamline our closing process. After ESCROW, we earned a thousand dollars back. To this day, I am grateful for his aid; his actions speak on his behalf better than a 5 star re...
Most mortgage companies I have dealt with just try to sell me and get a new client, they don't take the time to educate me or explain things, that's the problem with most companies now adays! Mike took the time to really analyze my mortgage and really found ways to save me a lot of money! Thanks Mik...
Again you delivered Pejman Gabayan! There simply are no superlatives sufficient to thank you for your fantastic service.You gained our loyalty, trust and friendship and was professional as always.
Years ago we used various loan officers/companies, but for the past 6 years you always accomplish wh...
Working with Pejman Gabayan made my experience with Hypotec go very smooth. PJ kept me informed on a normal basis as to how everything was going. With him I felt less stress about getting the refinancing done. When there was a problem PJ got out in front of it. Mr. Gabayan was a true professional al...
We are very happy we chose Hypotec for our refinance. I've worked with PJ for several years now just had my 2nd refi with him. He's great PJ kept him work with everything he said he would do for us. He's very honest,punctual and kept us informed every step of the way. We our very please with results...
Very good experience for my second time very serious and attentive team that helps you reach your goal for the acquisition of your property I strongly recommend thank you for everything see you next time
Hypotec Agent Pejman Gabayan was outstanding. "PJ" is truthful, caring and professional. He explained our options told us what we needed to do from start to finish with our home refinance. He was with us every step of the way. PJ always responded to our emails and phone calls in a timely manner. We...
Pejman Gabayan with Hypotec made the process of refinancing our home a smooth process. He answered all of our questions and there were lots. He repsonded to emails, texts and phone calls extremely quick. We loved that he values us as customers and that we matter to him. A true family man that can he...
What a WONDERFUL, STRESSFREE way of refinancing! Pejman went over and above to meet the deadline he promised to me. He called, sent text messages and emailed to ensure I stayed up-to-date on the status. Excellent service and locked in at a lower rate! Fantastic!!
I refinanced my FHA mortgage through Hypotec, and I am so happy I did. It's been the easiest experience I have had with a mortgage company. The loan officer I had really helped me out and guided me every step of the way through the different mortgage products, especially the FHA and going to a re...
My experience was good tech was friendly and curteous
Ms. Brown made my refinance process so easy. She was prompt when it came to replying to emails and calls. She kept me abreast of any changes and any other information referencing my refinance. Very professional and was always there through the entire process. I recommend Ms. Brown if you are intere...
Hypotec was absolutely wonderful. They were timely, efficient, and extremely competent about our refinance process. They made what seemed like a daunting process smooth and seamless. Thank you for all that you ve helped with!
I had the best experience with this company mainly because of Helene, I had tried to refinance before and was totally deflated until Helene called and I answered the phone, which I never do. I had a difficult case with some bumps in the road mainly because of divorce papers but Helene helped me get ...
Richard is a phenomenal person and very pleasant to work with. He is very professional and patient. He worked with me despite my busy schedule. He walked me through each step and was always on deck to assist when needed. I would truly recommend Richars to others! He is truly a great asset to Hypotec...
I had a great experience working with Frederic. Frederic is extremely professional and knowledgeable. I was a pleasure working with him. He provided me with ample information at every step of the way to obtain my mortgage. He was very diligent and responsive and really did his best for me. I would r...
I want to thank Richard Khalifa for the assistance with the refinancing of my home loan. he was very professional. I was able to get a much better rate that saves me a lot every month. I would recommend Richard to anyone thinking about refinancing.
I had an amazing experience with my rep from Hypotec RICHARD KHALIFA. I called not knowing what I wanted to do and Mr Khalifa put me at ease and explained the summary of the process. I was struck with his concern, a respectful manner and extreme professionalism. He walked me through all the steps an...
JANUARY 2019.......I HAD A GREAT EXPERIENCE DEALING WITH HYPOTEC. MY VA LOAN CLOSED IN JUST A FEW WEEKS. THE LOAN OFFICER I FELT WITH, RICHARD KHALIFA WAS KNOWLEDGEABLE, EFFICIENT, FRIENDLY, AND VERY INFORMATIVE DURING THE ENTIRE PROCESS. I HAVE HAD MANY LOANS OVER THE YEARS AND THIS WAS BY FAR MY...
I was very pleased that this process was painless. PJ Gabayan walked me through all the paperwork and was there to answer all my questions. I really believe that it was easy because PJ made it easy. Thank you PJ.
I was really at the end, almost seemed like divine intervention, but now I am doing really good financially. I was dipping into credit 500 a month now I am clearing 1850 a month, a much better feeling and hope is restored.
My wife and I just refinanced our home with this company at a 2.87% rate. We saved hundreds on our monthly payment and received several refunds and payed 0 closing costs out of pocket! We worked with Pejman Gabayan, aka (PJ). He was great through the whole process. He s no nonsense keeps his word an...
Mr. Pejman Gabayan is a great representative of Hypotec he does a great job with helping understand the steps of refinancing, and making sure you understand everything before signing also he was very pleasant to work with
Excellent customer service and ability to to communicate all necessary requirements in a step by step, concise manner. Franco has a good attitude and us a good person to be in contact with on a regular basis.
Professional..informative..and quick timely responses...thank you
Refinancing a Mortgage or getting an initial one is a daunting process. Gone are the days of sitting in the bank and having the loan officer do the work necessary to secure your loan. In fact, even then, you had no idea if you were getting the best deal. Today the internet has taken over. The p...
My wife and I have utilized Hypotec for approximately 3 years now for refinancing and Mr.Pejman Gabayan, (P J) has been our Loan Officer. PJ is very caring and knowledgeable and is most certainly an asset to the Hypotec Team.We would definitely refer Hypotec to family and friends for their financin...
Very professional staff, speedy responses, no gimets, answers question, or find the answers in a timely fashion. Great work over all.
I recommend Jordan Oates because working with him was a pleasure.
Pejman PJ Gabayan was our loan officer and he did a wonderful job. He was very pleasant to work with, always kept us informed, and always positive and upbeat. We recommend anyone looking to purchase or refinance contact Pejman PJ Gabayan at Hypotec for ALL their mortgage lending needs. He also gave...
Richard is the aspirin for the soul. It doesn't matter the issue....Richard is all over it with a confidence that is enviable. I highly recommend Richard to be your next contact should you want to sell, buy, or refinance your home. He is THE MAN!!
Pejman Gabayan walked me through the hole process. He did the everything. Great job, Thank you.
Our friends referred us to "PJ" Pejman Gabayan at Hypotec, and we are so happy they did! PJ was wonderful and amazing to work with. He guided us through every step of our Mortgage Refinance, keeping us constantly updated of where we were in the process. PJ is extremly knowledgeable and a true asset ...
PJ helped us get an amazing rate on our refinance. He was quick, efficient & made the process pretty painless. I would absolutely recommend him to anyone. Thanks PJ!
I had looked at refinancing previously in the last year and my broker at Edward Jones suggested I speak with Pejman Gabayan. She passed my name on to him and he contacted me right away. Once all my paperwork was submitted it was no time at all and I had a new loan at the right price. I would recomme...
excellent service, best results, got the job done on time.
Ben contacted me seemingly when the time was right. Ben and Chloe diligently kept me believing the loan would go through. At times i didn't think
so. we got through it together. There was no letting up. They did not let me down. Much thanks. I applaud u both.
I had a great experience with Hypotec Senior Loan Officer Carolyn Brown. I am a veteran and was seeking an IRRRL loan to replace my current mortgage. The VA process is somewhat complicated and Carolyn's professional attitude and service in providing my load stood out. She Had the right experience to...
Posting for my mom as she s not too tech savvy . She had this to say, Richard Khalifa did an outstanding job helping me through the process of refinancing. He provided daily updates on the progress of my loan and was always cheerful when we spoke, which was welcome during a process that can be ov...
they were very helpful and loan went through very fast. pj was excellent in service.
Thank you franco Celeste for your excellent service you made refinancing my house so easy you were with me every step of the way barbara maddox
My family was very happy with the experience!We would recommend Hypotec!PJ was our loan officer and he was very thorough and helpful!
Harvey Segal and Amanda Stillwell have been great to say the least. Harvey and I spoke in February and he told me I needed six months of on time payments to proceed. I didn't have to call him he called me and we began this process. It's normally a headache but this guy along with Amanda Stillwell ha...
Outstanding ! Dealing Hypotec was easy and stress free. Carolyn guided us through the process smoothly and efficiently. She contacted us regularly to assure things were moving along. She arranged for a Notary to meet with us while we were out on state. Very pleased.
I would recommend Hypotec and ...
I t was a wonderful experience. All my questions were answered, even after hours. I strongly recommended Hypotec if you have any mortgage needs
Ben and Olivia were awesome to work with, they made it so much easier for us, We would definitely recommend!
Carolyn Brown my financial advisor was beyond good, she was extremely helpful, extremely knowledgeable professional but also friendly
If you ever need to refinance your home, Carolyn Brown is your go to person, she worked very hard for my closing and it was done in a timely manner.
I had a great e...
Richard was very knowledgable, helpful, efficient and honest!! I couldn t have asked for a more experienced and capable person for my refinance. He is a go-getter who gets things done and is able to provide the BEST rates! I just closed my refi and have already referred him and his team to several...
I truly enjoyed working with Richard Khalifa and the HYPOTEC organization. Richard made things simple and plain and to the point. It took some time but only because I am not to bright when it comes to this technology stuff. But talk about being patience, he had the patience of JOB. I want to thank h...
Richard Kalifa was my broker at Hypo tec.com . He organized my VA re- financing in a manner that was outstanding, informative, and complete. He gave me every opportunity to communicate to him and answered me back in a timely manner. I had used Richard and hypotec before and found confidence in using...
Being self employed I know that this process takes longer than normal but they were very considerate of my concerns and responded very professionally and courteously . Pejman Gabayan was extremely understanding of my concerns about the technicalities and procedures and always extremely polite they ...
Got my first place with Hypotec:) Fast quick easy and responsive:) Would hihgly recommend.
This is really a 5-star plus 1 review. Pejman "PJ" Gabayan went above and beyond in securing a refinance for me and my family. He was always available and gave superior service thought the process. He was upfront and honest with respect to the pricing and he made sure things moved along on schedu...
The service I recieved from Anthony was superb! This is the second time we have used hypotec for our refinance. Extremely professional, thorough, plesant and made the experience seamless. my husband and I highly recommend this company...Thank you Anthony for a great experience!
It has been a pleasure working with Hypotec, they where quick and on top of the situation at all times. Communication was done by phone and email.
I can't begin to say enough about the outstanding service I received from Hypotec and Pejman Gabayan. My husband and I refinanced our existing mortgage under the professional guidance of PJ. He was kind, efficient, and answered all of my questions with patience and clarity. Everything he said was ...
Very great communication from beginning to loan closing. This company made the loan process easy for the client.
Recently, I refinanced my home through Hypnotic. It's positive experience.
They gave me good rate, and guided me through the whole process patiently and professionally. After I signed all the documents, finished the process with them, I asked for more help, they got back to me quite quickly.
I w...
Great and speedy service by PJ. Recommend to everyone in need of a mortgage provider.
My experience with Hypotec was amazing! My Loan officer Pejman PJ Gabayan was extremely helpful, knowledgeable, and professional. This closing was special because my sister who lives in NJ was a co-borrower on my loan and I live in Florida. Most companies were not able and could not conduct or acco...