Award-Winning Mortgage Lender. Local Expertise with National Reach

HyperSmart Loan Programs

Our dedicated team of mortgage professionals will take you loan from application to funding. All done in-house with quick closings and great terms.

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Jumbo Loans

  • 5% Down Payment Hybrid-Jumbo Loans up to $1,027,000 purchase price.
  • 0% Down Payment Medical Professional Loans up to 1M. Larger loans considered.
  • Low-Rate Private-Client Jumbo Loans with exceptional rates.

Construction Loans

  • Jumbo and Traditional Construction Loans (including Super Jumbo Loans over $4M).
  • 0% Down Payment Construction Loans for Medical Professionals and Doctors.
  • 0% Down Payment Construction Loans for Veterans.
  • ADU Construction 2nd Lien (to build guest house or accessory dwelling unit without paying off your current primary mortgage).

Government Loans

  • 3.5% Down Payment FHA Loans (including 4-unit multifamily).
  • 0% Down Payment Loans for Veterans.
  • 0% Down Payment Loans for Rural Properties with USDA.

Conventional Loans

  • 3% Down Payment Loans for First Time Home Buyers.
  • Traditional Conventional Loans.

Alternative Income Qualification Loans (No Tax Returns Required)

  • Bank Statement Loans (Personal & Business). Qualify based on bank deposits.
  • P&L Only Loans. Qualify based on CPA prepared profit and loss statements.
  • DSCR Loans. Investment Property Loans with no income qualification. Qualify based on rental appraisal.
  • 1099 Only Loans. Qualify based on CPA prepared profit and loss statements.
  • WVOE Loans. Qualify based on verification of employment letter from your employer.

Other Specialty Portfolio Loans

  • Bridge Loans (Residential and Commercial).
  • Fix & Flip Loans.
  • Condo Hotel Financing / Unique Properties.
  • Lot Loans.
  • ITIN Loans to qualify without social security number.

Request a free consultation with our experts.

Mortgages can be complicated, our mortgage advisors build relationships with our clients to ensure we're able to meet your immediate and long-term financing needs.

Let's Discuss Your Loan Options

We can provide a loan catered to your needs. Talk to one of our Mortgage Experts today.


11451 Katy Freeway, Suite 360,
Houston, TX 77079




CalCon Mutual Mortgage LLC, dba HyperSmart Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino Del Rio North Suite 305, San Diego, CA 92108. Corporate phone (512) 888-9348. All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. For business and professional use only. Not for consumer distribution. Not intended for legal or financial advice. Consult your own professionals if such advice is sought.

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