Lower Mortgage Rates. No Bank Hassle.
Save thousands with a Mortgage Broker who explains everything and never pressures you.
The home loan process shouldn't be stressful — but a lender who hides fees and fumbles your file can make it that way.
I'm Dennis Hughes, a mortgage broker with 35+ years of lending experience and 10,000+ closed loans. I've built a hassle-free process that saves clients thousands, with straight answers from the first call, pricing well below banks & big lenders, and with zero sales pressure!
See what my clients have to say........
Jade R. from Groveland, CA
Consummate Pro and an Authority in the Mortgage Business!I just closed on a second home in a highly controlled mountain community with wildfire risk. Dennis came highly recommended by my realtor, and soon after my initial communication, I quickly knew why. Dennis was not only very knowledgeable, but he is very responsive and patient. I had many questions, since this is my first vacation home purchase in California. Will I use him again? YES. Will I recommend him to my friends and family? Definitely!
Learn how and why rates change and what personal and transaction factors affect the rate you receive
Find your best and most cost effiecent loan program for your specific needs
Learn all about monthly payments, down payments, closing costs and how it all fits together
Guide to knowing when a refi is right for you, what your options are, and to know if it's worth it
Learn what inspections and property condition standards are required for each loan program
Understand the 4Cs of loan qualifying and which loan programs are more "forgiving"
Guide to closing costs and required down payment per loan program- and how to minimize
The different type of lenders and how that affects your home loan process and your loan price
