I had an excellent experience working with Pejman (PJ)—he was on top of every step of the process and worked through the loan with me from start to finish with exceptional care and attention to detail. He is extremely knowledgeable, always available to answer my questions, and very thorough in his explanations. I was referred to him by a trusted business colleague who highly recommended him, and he absolutely lived up to that endorsement. Pejman (PJ) truly cares about each loan as if it were his own, which made the entire process smooth and stress-free. I will absolutely work with him again on future loans and highly recommend him to anyone looking for a responsive, professional, and genuinely invested lender.
Working with Richard was a game changer for our home buying journey. They took the time to understand our financial goals and offered options that fit our needs perfectly. Communication was excellent — always responsive and proactive. Their expertise saved us time, stress, and money. We couldn’t be happier and would recommend them to anyone looking for a trustworthy, knowledgeable mortgage broker.
I had the pleasure of working with Richard Khalifa on a recent transaction, and I couldn’t be more impressed. From start to finish, their communication was clear, timely, and proactive — exactly what you hope for in a lending partner. They made the financing process smooth for both the buyer and our team, staying on top of every detail and making sure we hit all our deadlines. It’s not every day you find a loan officer who combines professionalism with such genuine care for the client’s experience. Looking forward to many more deals together! Highly recommend!
Richard Kahlifa at Hypotec is incredible! He is extremely efficient, professional and communicative, and helped my husband and I secure our dream home on a tight timeline. Richard moved mountains to get everything sorted on our behalf, above and beyond. Could not recommend more! He’s the best!
I was referred to PJ Gabayan by my CPA for a home equity loan after all failed with my bank. Banks, these days, use AI and cookie cutter approach to give out loans and make it very difficult. PJ was able to pull through and help with my loan like I have not seen before. He knows what he is doing, and he knows it well. Very professional, responsible, and his time management is impeccable. His knowledge of different loans and connections in the industry that he has, made it a smooth process. I highly recommend him and I am sure I will work with him in the future.
NMLS Consumer Access ID 331734
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