The home loan process can be a stressful & even confusing at times- especially with a bad lender who conceals fees & fumbles your loan.

Avoid all this hassle while saving money - choose me for your mortgage!

I'm Dennis Hughes, Mortgage Broker & Owner of RockBottomRate also known as Lend4less. I can save you thousands of dollars with my hassle free home loan process perfected from closing 10,000+ loans during my 35+ years of home lending.

I'm different than most lenders because I work hard to earn your trust from the first conversation with timely, accurate answers to all your questions --and with loan pricing far lower than banks & big lenders! Everything explained and never any sales pressure!

See what my clients have to say........

Consummate Pro and an Authority in the Mortgage Business!

Jade R. from Groveland, CA

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. Not only was he very prompt with his responses, but the whole transaction was relatively painless. Will I use him again? YES. Will I recommend him to my friends and family? Definitely!