Freddy Abitbol

Pejman Gabayan

Get Pre-Approved by an Experienced Loan Officer

Secure your next home loan with me!  I offer quick home loan pre-approvals and competitively low rates to help you compete against other buyers.

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NMLS ID: 331653


Pejman Gabayan

Florida Loan Officer

Being a leader in the industry is something I take great pride in.  With over 18 years in the mortgage field, I have helped 1000s of clients get into their dream home or refinance their current loan. 

As CEO of Hypotec, my role extends from helping my personal clients to building a team of talented loan officers.  With access to all loan products at the most competitive rates, you can feel confident knowing you are in good hands.

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Why Choose


At Hypotec, we’re proud to offer an experienced team who’s here to work for you. Whether you’re shopping for a new home, looking to refinance your current loan or just curious about the home buying process, our dedicated loan officers are here to help you navigate the numbers. Our best in industry digital platform gives you a simple, clear experience start to finish.


Competitive Rates

I gather the largest array of wholesale and retail lenders to compete for your loan, so you get the lowest rate while I do the work.


Fastest Pre-Approval

Get pre-approved within minutes so you can get a head start in this competitive home buying market.


+20 Years of Experice

With decades of experience in the home loan industry, I love helping home buyers get low rate loan offers for the home they want.


Purchase or Refinance

Our digital technology allows access to all mortgage products, giving every client a custom tailored solution for your unique situation.

Get a Real Pre-Approval in Minutes!

Start Your Digital Application

A Word from

My Clients

John LinneyPlattsburgh, NY – Closed Oct. 2017 Read More

We were very happy with the results of refinancing our mortgage with Frederic. We closed on time and reduced our interest rate. We would recommend all our friends to use Frederic to help save them money on the mortgages.

Jim AsherTurin, GA – Closed Feb. 2017 Read More

I was very pleased with the service provided. You were helpful in helping us redo our VA loan on very favorable terms. I am looking to use this firm for the next step on our loan process later this year.

Payton PenceDenver City, TX – Closed Nov. 2017 Read More

Always professional and answered all my questions. My loan was completed on time and I felt like they put me first. Great company with great people that worked for me.

PaulWestchase, FL – Closed Oct. 2017 Read More

Hypotec representatives were very helpful and made sure all details were satisfied. They facilitated my needs and that of the lender. Any particular detail which may have caused a delay was fixed with the help of the Hypotec agent.

Rob NievesSanta Barbara, CA – Closed Feb. 2018 Read More

The closing was perfect. All of the staff is competent. I was kept informed of every day. I always knew the phase of my loan during in the process It was a pleasure to work with my representative and his team at Hypotec Inc.
Read more reviews:

Zillow Reviews


We’ve Financed

Need Help With Your Next Purchase or Refinance?

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No matter where you’re currently located or looking to move, I’m ready to serve you in all of the above states I’m licensed in.  With licenses in +10 states including some of the hottest real estate markets in the US, I’m ready to get you the rates you deserve!

Get Pre-Approved


  • CA – Department of Financial Protection and Innovation – 1903131
  • CO – Division of Real Estate – 100503099
  • FL – Office of Financial Regulation – LO2478
  • GA – Department of Banking and Finance – 58979
  • MD – Office of Commissioner of Financial Regulation – 37456
  • NC – Commissioner of Banks – I-170807
  • NY – Department of Financial Services – 331653
  • OH – Department of Commerce – MLO-OH.331653
  • PA – Department of Banking and Securities – 90588
  • SC – Department of Consumer Affairs – 331653
  • TN – Department of Financial Institutions – 129495
  • TX – Department of Savings and Mortgage Lending – 331653

Speak with an Experienced Loan Officer

Let me help you get the rates you deserve for the home that you love!  Whether you’re purchasing a new home or need help refinancing your current home, I’m here to help.  Give me a call, shoot me an email, or fill out a quick pre-approval to get started.


Florida Loan Officer

NMLS ID: 331653

Freddy Abitbol

Fill Out Pre-Approval