Google: 4.9

We were put in contact with Pejman Gabayan of Hypotec by our fantastic financial advisor Sharon Zafrani in trying to figure out how to handle a large, emergency home improvement. What a referral that was! From the moment we talked to Pejman, we learned about the idea of using some of our home equity to acquire a HELOC. He walked us through the process and within 9 days we were able to close on an affordable, great rate loan that solves our dilemma. PJ has been so accesible in all of this and has answered numerous questions, fears, etc. with solid information on today's financial world and the lending business itself. Despite his busy schedule, he made my family feel like we were the most important clients in the world and it's why he is the clearly one of the best in the field. He cares about his clients, cares about doing the job, and takes tremendous pride in his work. With so many choices out there, the trust factor comes with the continual communication and that's what Pejman does best. So thankful.

robert lewis

Richard is the consummate professional - he helped guide us through what can be an incredibly stressful process and make it a truly pleasant experience. Richards responsiveness, knowledge and kindness topped with always being available built such strong trust through this process knowing he was always there working for us to put us in our new home! We cannot recommend Richard highly enough.

Daniel Fogelson

Pejman worked alongside me as a lender for our mutual clients, and I was thoroughly impressed by his dedication and professionalism. He consistently went the extra mile, ensuring his clients' needs were met, even making himself available late at night to address any concerns. In an industry where exceptional service can be hard to find, Pejman shines as a standout lender. I highly recommend his services.

Valley Guy

PJ helped us tremendously with our house refinance in 2022. We paid off our cars, hospital bill, and we got a great interest rate on our mortgage. So now in 2024, we were checking the housing market and exploring our options. We went back to PJ to see our options. He gathered our information, crunched numbers, and after questioning us on our needs, wants, and long-term goals, he told us to hold off on buying anything. Our best option was to stay where we are. That's what I love about PJ. He treats people like, well, individual people. He is first and foremost looking out for the needs of his clients. And you only come across a "PJ" once in a while in life. Love you PJ, and thanks for all your help and energy!

Steve Hermann

PJ is very helpful in every step of the way. Hyootec is lucky to have him. He’s smart , kind, reliable and a professional who knows what he’s doing in this industry . They helped me become a homeowner and worked with me patiently. They advocate for their clients which is amazing . Thank you so much !

Ellen Mae