You work for yourself.
Let’s discuss your business, how you earn income, and which documentation options may fit.
Self-employed mortgage options →Buying your first home or refinancing a traditional mortgage? I can help with that, too. Personal guidance from Adam Styer at HyperSmart Home Loans, serving Austin and borrowers across Texas.
NMLS#: 2653540 (Company) · 513013 (Adam Styer)
A clear place to start
Financing for what comes next.
Start with your goal. Explore the options at your own pace.
01 / PURCHASE
Buy a home
Your first home, your next home, or room for a new chapter.
Explore home financing → 02 / REFINANCERethink your mortgage
Review your current loan in the context of your plans.
Explore refinancing → 03 / INVESTFinance an investment
Look at the property, the numbers, and your broader goals.
Explore investor options → 04 / BUILDBuild your next home
Start the financing conversation before construction begins.
Explore construction → 05 / EQUITYAccess your equity
Compare cash-out refinancing, home equity loans, and HELOCs.
Explore equity options → 06 / EXPLOREFind your starting point
Browse programs or talk with Adam about where to begin.
See mortgage options →Your property. Your next priority.
Access your equity. Keep your goals in view.
Explore financing for your home or rental property with a clear view of the costs.
Cash-out refinance
Review replacing your current mortgage to access equity, with new terms on the full loan.
Explore cash-out refinancingDSCR cash-out
Explore rental-property equity with financing that evaluates the property's rental income.
Explore rental-property cash-outHome equity loans
A separate loan may let you access funds while keeping your first mortgage in place.
Explore HELOANs & HELOCsThe people. The thinking. The technology.
Personal expertise.
Modern technology.
A thoughtful mortgage starts with understanding the person behind it.
HyperSmart brings lending experience together with artificial intelligence and modern automation. As your mortgage advisor, I bring the personal conversation: what you’re planning, what matters to you, and which financing options are worth exploring.
Meet Adam →01
Your goals come first
We start with your plans, timeline, and financial picture.
02
Understand your options
Talk through loan structure, costs, and the tradeoffs that matter to you.
03
A person to talk to
Work directly with Adam for guidance and a clear next step.
Thoughtful structure. Real-life priorities.
There’s more than one way to approach a mortgage.
Examples of conversations we can have together. Available options depend on your full application and program requirements.
Your wealth is in your assets.
Explore how eligible assets may factor into your financing alongside your income and goals.
Assets & retirement →Your next move has moving parts.
Talk through the timing, equity, and financing involved in buying before you sell.
Plan your next move →Inside a real file review
The details that change the approach.
Self-employed · File review
Which business deposits count as income?
A refinance review centered on a disputed business payment and the expenses used to calculate qualifying income. Final acceptance remained unresolved at the stage described.
Investor · Cash-out review
Equity was only part of the answer.
Two rentals needed separate reviews of value, existing debt, rent, proposed payment, and costs. The proposal showed less estimated cash out than requested, with conditions still to resolve.
Assets · Strategy review
Substantial assets. Limited income history.
Review the questions that matter when the balance sheet is stronger than the conventional income history.
These are consultation and file-review examples, not promises of approval or closed-loan results. Explore all scenarios →
Explore your options
Find your financing fit.
Know what you’re looking for? Take a closer look at the programs.
Conventional
A familiar starting point for home purchases and refinancing.
Explore conventional loansFHA
Explore government-backed financing for your home purchase.
Explore FHA loansVA
Home financing for eligible veterans, service members, and surviving spouses.
Explore VA loansJumbo
Explore financing options for a higher-priced home.
Explore jumbo loansSpecialty & Non-QM
Explore alternatives for self-employed income and more complex finances.
Explore specialty loansInvestor & DSCR
Explore rental-property financing and property cash-flow options.
Explore investor loansReady to Get Started?
Tell me what you’re planning, or start a secure application when you’re ready.
Secure and confidential · No obligation · Adam personally reviews every submission
Client and Partner Reviews
"Adam came highly recommended and he was exceptional to work with! He was incredibly responsive and helpful throughout the entire mortgage process."
M
Mary Cairnie
Google • 5 Stars
Google • 5 Stars
“I am self-employed and my loan was not straight forward.”
S
Sherita Steffe
Google • Self-employed
Google • Self-employed
“I’m self-employed and when other lenders declined to underwrite a mortgage, Adam saved the day!”
E
Ellery Wren
Google • Non-QM
Google • Non-QM
"I've known Adam Styer for the past four years, and he has consistently proven to be one of the most knowledgeable, reliable, and supportive mortgage professionals I've worked with."
J
Jeanne Miller
Google • Realtor Partner
Google • Realtor Partner
"Adam is awesome - he works to understand your needs, presents multiple and often creative financing options to meet them, and supports you throughout the whole home purchase."
M
Matthew Latimer
Google • Purchase
Google • Purchase
Know Your Numbers
Use our calculators to estimate your payment, determine how much house you can afford, or see if refinancing makes sense.
Explore CalculatorsPractical answers before you apply
Understand your income options, plan a build, or compare a loan offer.
Self-Employed Income
How lenders review self-employed income
Understand the difference between business revenue and qualifying income, and the documentation a lender may review.
Read the income guide → Construction FinancingPlan the financing before you build
Explore how one-time-close construction financing works and what to gather about your lot, builder, and project budget.
Read the construction guide → Comparing Loan OffersCompare more than the interest rate
Make sense of points, lender fees, credits, and cash to close when reviewing two mortgage offers.
Read the comparison guide →
Meet Adam Styer
Originally from Ohio (Go Bucks), Adam has called Austin home for over 16 years — and loved it so much his whole family followed him here. He's spent the last decade helping Austin families achieve the dream of homeownership through honest conversation, expert guidance, and a commitment to transparency.
As a mortgage advisor with HyperSmart Home Loans, Adam compares available lender, program, pricing, and structure options for each scenario. He's a proud husband to Britney Jo, dad to three amazing kids, and over 10 years sober. Faith, family, fitness, and finance drive everything he does.
He has also bought, sold, renovated, financed, and operated real estate himself — including long-term rentals, short-term rentals, flips, multifamily, and commercial ownership interests. Adam and Britney Jo personally operate Adobe Creek Ranch, an approximately 25-acre group rental near Fredericksburg. That firsthand experience helps him look beyond whether a loan can close to how the financing may work once real ownership begins.
Adam builds relationships — not just transactions. When he's not closing loans, you'll find him with his family, active in Austin's sober community, or staying sharp on market trends to give his clients an edge.
Read Adam's Ownership StoryFor Realtor Partners
Give complex deals a clearer path with upfront scenario review, proactive communication, and experience working alongside Austin-area agents.
Partner With Us
Based in Austin. Serving borrowers across Texas. Explore Austin-area communities →
Frequently Asked Questions
Yes. Self-employed Austin borrowers can qualify using bank statement loans (12 or 24 months of deposits), 1099-only programs, P&L loans, or asset depletion — tax returns may not need to be the primary income document. These non-QM programs underwrite actual cash flow, not the income your write-offs reduced. Adam matches each borrower to the right wholesale lender across 40+ programs.
A DSCR loan qualifies real estate investors on a property's rental income — not personal income. DSCR = gross rent ÷ PITIA. Most lenders prefer 1.0+, but no-ratio programs exist. Works for long-term, short-term (Airbnb/Vrbo), and small multifamily across Texas. Down payments start at 20–25%, no cap on properties owned, LLC vesting allowed.
Asset depletion uses eligible assets to calculate monthly income for mortgage qualification. It may help retirees, business owners after a sale, or borrowers who need to supplement other income. The lender determines eligible accounts, required deductions and the calculation period. The result is qualifying income, not an approved loan amount.
Complex-income borrowers — self-employed owners, K‑1 partners, S‑corp owners, investors, foreign nationals, and HNW individuals — can use bank statement, 1099-only, P&L only, asset depletion, DSCR, jumbo (above $832,750 in Travis County for 2026), and one-time-close construction. Adam compares 40+ wholesale lenders to maximize qualifying income per scenario.
Most pre-approvals are issued within one business day once your file is complete. Bank statement, DSCR, and other non-QM loan timelines depend on program, property, appraisal, title, and documentation. Fast underwriting matters in Austin's purchase market — competitive offers often need rapid funding to win against cash buyers. Send the short scenario or call (512) 956-6010.
Let’s plan your next move.
Start with your financing goal. I’ll help you understand your options and decide what comes next.