top of page

Save with a lower rate from Lend4less

We lend 4 thousands less than banks and big lenders!
Low Rates -- Fast Closings -- Save Money!

I'm Dennis Hughes -with 36+ years of home loan experience and 10,000+ loans closed!

I'll close  your home loan faster and with less hassle while saving you thousands of dollars in the process!

Close fast- 2 weeks or less on purchase - refinance close in under 3 weeks

Small town personal service with tons of 5 star reviews to back it up
All your questions answered--Never any sales pressure
bank ripoff 91.png
Conventional--FHA--VA --USDA --Jumbo Loans
Purchase- Refinance- Cash out Refi​
FHA 4x3.png
VA 4x3.png
USDA 4x3.png
ftb tips 4x3.png
calculator 1.png
ref 4x3.png

Get a free rate quote

Find the best rates tailored to your needs—no cost, no obligation.

Get pre-approved

Take the first step toward your dream home with a quick pre-approval

Compare Rates

Easily explore and compare rates to save on your mortgage.

Have questions?

We're here for you--to answer any loan question you have.  Click for ways to contact us.

rates change 4x3.png
USDA 940x705_edited.jpg
manu 4x3.png

The #1 mistake loan officers make in the preapproval process is miscalculating and/or misunderstanding qualifying income.  Human underwriting- a week -or three! later -- typically catches these income mistakes and often reduces a buyer's qualifying income resulting in the killer of loan pre-approvals-- a debt ratio that's too high for a loan program limits.​

Working with an experienced, knowledgeable loan officer is the best way to eliminate this deal killing issue--and utilizing an accurate monthly payment calculator is vital.
Too many online payment calculators are inaccurate, especially with monthly property tax and home insurance  calculations.  Our payment calculator is far more accurate!  Click for more...

payment calculator.png
round_certificate_seal_8622306.png

Save thousands of dollars with a second opinion from us!

And also reduce your home loan hassle with our expert guidance

Lend4less Home Loans NMLS #2179191 
Dennis Hughes NMLS #178729
CA Dept of Real Estate -
Real Estate Broker ID #01001409
Colorado MLO.100511559

 

PO Box 1859

2209 Hartvickson Lane

Valley Springs, CA, 95252    

Call Now : 209-602-4900 

​

lend4less 919.png
ready to apply2.png
eho.png

© Copyright 2014-2024

All Rights Reserved  Lend4Less.com

​

bottom of page