30 Year Fixed

Peace of mind with a payment that won’t change.

The most popular mortgage.

Extremely low rates, Take advantage.

FHA Loans

Flexible terms.

Refinance without an appraisal.

Very low down payment.

VA Loans

Unique benefits for Veterans.

Ability to refinance up to 100% of your home.

No down payment.

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“I am writing to express my extreme appreciation of HYPOTEC competence, attitude and kindness throughout our entire refinancing process. They have been nothing short of amazing. They dealt with the frustrations of a nauseous pregnant woman like royalty. They are excellent at communicating what is going on and keeping in touch with us, at all times. I always felt like a priority and any concerns I had were cleared up before I even had a chance to verbalize them.
I will recommend them to everyone I know who is even remotely interested in refinancing.
Thank you for your help with our refinancing, but most of all, for the opportunity to work with such a great people.”

Karyn (and John) O’Meara

“My husband, Chad Adams, and I, finished up refinancing our mortgage with HYPOTEC I just want to say how amazing HYPOTEC was at communicating what we needed every step of the way. They really took good care of us and made us feel comfortable and confident that we made the right decision to refinance with their company!”

“I recently completed a very lengthy and drawn out mortgage refinance process. Normally these words would be viewed as a negative, but this is a very positive testimonial. HYPOTEC was very professional and understanding through the mounds of paperwork on my end that needed to be sorted out for my unique situation. My job also requires a lot of travel across time zones and a lot of time out of phone and email contact. Again HYPOTEC was extremely courteous, professional, and above all motivated to help me finish the refinancing process around my hectic and sporadic schedule. HYPOTEC sent a closer to my home around my work schedule and sent another closer to a party in another state to sign documents taking care of all the logistics to finally close the deal. The whole team at HYPOTEC treated me with nothing but respect, diligence, and a hard working effort that made me feel valued and respected as a customer, not to mention getting a good rate on my mortgage refinance. If you have any loan issues or any of the other work that HYPOTEC does I highly recommend their services.”

Michael J Rozborski Regards!

This type of loan, for instance, would be best for the first time home buyer as it only requires a small down payment (3.5%) whereas the down payment on a conventional loan is significantly higher. In addition, FHA loans require mortgage insurance whereas in most cases a conventional loan does not.


The FHA, or Federal Housing Administration is a branch of the U.S Department of Housing and Urban Development. It offers several mortgage loan programs. An FHA loan is guaranteed by the Federal Government. The loan is insured meaning if the client defaults on the loan the lender is not responsible for the loan, the Federal government is. This is why there is a requirement for mortgage insurance.


The benefits of an FHA loan are as follows: it has lower down payment requirements making it easier to qualify, it requires looser credit requirements, encompasses lower up front loan costs and lower down payments. There are statutory limits on the amount of down payment required in different areas and the FHA loans can not exceed that limit. It is for these reasons that FHA loans are more appealing to first-time home buyers.

The U.S. Department of Veterans Affairs guarantees VA loans. Lenders must be approved by the VA in order to do these types of loans. These loans are for veterans and service people. They benefit from favorable terms such as no down payment, easier qualifying requirements because their loan is guaranteed by the VA. You must first request eligibility from the VA before applying for this loan.