Question 1

What makes HipoTech different from going to banks directly?

Accepted Answer

HipoTech submits your mortgage application to multiple Dominican Republic banks simultaneously with a single application. Instead of spending weeks visiting banks one by one, you receive competing offers from every qualifying bank at once, letting you compare rates and terms before committing.

Question 2

Who can apply for a mortgage through HipoTech?

Accepted Answer

Foreign buyers and non-residents can apply for a mortgage in the Dominican Republic through HipoTech. You do not need to be a Dominican resident. HipoTech specializes in helping international buyers navigate the DR mortgage process.

Question 3

Do I need to be a resident of the Dominican Republic?

Accepted Answer

No. HipoTech is designed specifically for foreign buyers and non-residents. You can apply for a Dominican Republic mortgage from anywhere in the world.

Question 4

What products does HipoTech offer?

Accepted Answer

HipoTech offers two mortgage pre-approval products: Personal Pre-Approval, which assesses your creditworthiness as a borrower before you identify a property, and Property Pre-Approval, which ties the application to a specific property you intend to purchase.

Question 5

Does HipoTech store my sensitive financial information?

Accepted Answer

No. HipoTech uses zero-persistence security for sensitive financial data like bank account and routing numbers. This data is used only during the active application session and is cryptographically destroyed immediately after transmission to the banks. It is never stored on HipoTech servers.

Question 6

What encryption does HipoTech use?

Accepted Answer

HipoTech uses AES-256 encryption for documents at rest and TLS 1.3 for all data in transit. Documents are protected with split-key encryption, meaning no single party holds the complete decryption key.

Question 7

What credit score do I need?

Accepted Answer

Credit requirements vary by bank. HipoTech's AI-powered bank matching system evaluates your profile and submits your application only to banks whose criteria you are likely to meet, maximizing your chances of approval.

Question 8

What languages are supported?

Accepted Answer

HipoTech is fully available in English, Spanish, and French, reflecting the international profile of buyers in the Dominican Republic real estate market.

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