Rock Bottom Rates without the bank & big lender hassle!
Close fast -- Save Money -- 5 star service!
What my customers have to say
Jackelyn G.
My husband and I quoted with a couple of different lenders throughout our process and none compared. Not just price wise but the relationship and service we received, we know we wouldn’t have found it with the other lenders. Dennis is extremely knowledgeable and helpful. We wouldn’t have been able to get through the process of purchasing our first home as smoothly as we did without him. Even pushing until the end for us to close on 23rd instead of our original date the 26th to be able to have our home by Christmas was amazing! Thank you Dennis, my husband and I recommend you 100%!
Alex M.
Dennis was absolutely wonderful to work with during our first home purchase. He answered all of our questions with so much thought and detail and always responded in minutes. His experience and attentiveness made me feel confident that he had our backs through out the whole process. I will recommend him without hesitation to my friends and family in the future. Thanks Dennis!
Dick L.
We have worked with Dennis through three home purchases and several re-financings. He has proven to be the consummate lending professional and he made our pursuit of a home mortgage loan successful, painless and free from unpleasant surprises. He has also helped us think through various financial scenarios and can be counted on to come up with creative solutions to our life planning issues. We found him always to be completely honest and forthright. Actually, he is fun to work with! I would recommend him without hesitation to anyone in search of a home mortgage!
Angela H.
Dennis is extremely knowledgeable and goes the extra mile to assist his clients. We knew right from the beginning that we were in good hands. Dennis demonstrated great professionalism, he answered ALL of our questions at a moments notice, and kept us updated throughout the process. We endured some probate challenges with our seller/Realtor and Dennis shared his knowledge, reassured us, was an immense help, and kept up informed. His expertise is outstanding! His genuine thoughtfulness and kindness is something we shall never forget about Dennis. He was so honest and sincere from day one. These are strong characteristics you would wish for and we were extremely fortunate and lucky to have been introduced to Dennis. We would HIGHLY recommend him!
Horn Star Outdoors
Absolutely the best experience imaginable! Dennis is incredibly knowledgeable and always willing to help in all facets of the process. He made himself available at all times and responded promptly to any and all emails, text and phone calls. I have had numerous troubles during this process in the past and was fearful of this one just the same. After the first phone call with Dennis I felt at ease and most importantly I felt I could trust him. I will recommend him highly , thanks again!
Donna N.
Don't you hate it when you inquire about refinancing your home, and your phone begins ringing off the hook?? Dennis is the real deal, and with no arm-twisting pressure! He has financed, as well as financed, homes for us. I'm a realtor, myself, but couldn't ask for a better lender to work with and to recommend to others!
Connie R.
Dennis is wonderful! He gets it done in half the time it takes the big companies, he does it right and charges half the going rate. If you need a home finance or refinance, call this guy!!
Ashley from Sonora
We can honestly say out of everybody involved in our home buying process, Dennis was the most knowledgeable guide and significant resource for us! His transparency, wisdom, and caring demeanor made him the perfect lender as first time home buyers. He had our backs from start to finish (and beyond), no amount of time on the phone was too long, and no question went unanswered (and there were a lot of questions!). He clearly has valuable experience and we feel so lucky to have found him!
My partner and I highly recommend Dennis!!
Jade R.
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!
Gina Marie
Dennis is a very kind and knowledgeable Gentlemen. He was very helpful helping me understand my Escrow, homeowners insurance policy issues I am having.
Thank you for your time, and for all your help,
CoachBrn30 Groveland
Dennis Hughes did a great job handling my recent home refinance. He was easy to contact, answered my questions completely and helped me understand the process. He goes way beyond to give his clients great service. Without reservation I would recommend him to handle your next home loan.
Meghan from Sonora
Dennis was so incredibly helpful as we purchased our first home! He was great at communicating with us and keeping us informed with regular updates on the status of the loan. Even during the stressful time of COVID-19, Dennis made sure that we had all the resources necessary to move forward with the lending process. He was always available for any questions we had, and at the end of the mortgage process, we truly felt like we made a friend in Dennis. Very knowledgeable, very passionate, highly recommend!
Kyle S.
My wife and I are very pleased to have had the chance to work with Dennis with our home loan, he is very knowledgeable and always there to help. Still to this day he answers every question I throw at him. We were so surprised to have to have jumped into a home loan so comfortably with the help he provided. Thank you Dennis!
Gerardo N Jamie R.
Dennis has done my purchase and a refi and without him we would not have got the deal closed on our purchase! On our refi he was able to get the best rate and super fast, we closed in less than 21 days.. I recommend him for any home lending needs
busdrvrmom from Valley Springs, CA
My husband and myself can' t say enough about Dennis. His knowledge, professionalism and ability to make you feel very comfortable through this process was awesome. He keeps you updated on every aspect, and tells you your options, you are never left in the dark.
Jesus from West Sacramento, CA
Dennis is a very detail oriented and knowledgeable mortgage broker he helped me with my mortgage loans three consecutive times, needless to say he is my "go to" professional for any mortgage needs.
I would be delighted to recommend Dennis to anybody looking to buy a house anywhere in California.
Peter N from Modesto, CA
I have worked with many lenders in the past 20 years. Many are inexperienced or just looking to close on the loan without looking out for your best interest. Dennis took the time to answer all of my questions without making me feel pressured. He has helped me on several home refinance as well as a purchase for my brother-in-law. Dennis is not only a great lender but he is also extremely knowledgeable in the real estate industry. I look forward to working with Dennis on my next purchase.
zuser201709192109509
Sonora, CA
My wife and I are very pleased to have had the chance to work with Dennis with our home loan, he is very knowledgeable and always there to help. Still to this day he answers every question I throw at him. We were so surprised to have to have jumped into a home loan so comfortably with the help he provided. Thank you Dennis!
jfranklin1217 from
San Diego, CA
Dennis helped my family figure out how to afford our dream house and still have a good amount of savings. He gave us all the options with his recommendation and was very transparent the entire time. He has since pro actively contacted me about when to refinance based on when he expects interest rates to be lowest. He’s our lender forever!
Jennifer B. from Visalia, CA
Dennis is very friendly, knowledgeable and professional. He always makes time to answer any questions and alleviate any concerns. He gets things done faster than other lenders I have worked with in the past. I have used his services twice now. I would recommend him to anyone looking for a reliable lender! He knows his business well!
jademlong22 from Mokelumne Hill, CA
Dennis recently helped me facilitate two separate home loans for two homes in record time.
Not only was he easy to work with, extremely knowledgeable, and efficient, but he also was able to secure the lowest rates and guide the process in record time.
I wouldn’t use anyone else but him! Highly recommend.
Claudia D. from Sonora, CA
Dennis was always quick to respond and always very professional. I always felt like he really cared about the outcome and our personal situation ... not just the numbers
zuser201706121602397
from Sonora, CA
Dennis Hughes helped me get my home Loan at what I felt was a good rate. He was able to explain the process very clearly and I was thankful for his help and expertise. It was apparent to me that he is very good at what he does, and I was fortunate to work with him.
cedgerly12 from Copperopolis, CA
When my wife and I were looking to buy we were given Dennis' contact info and we are grateful we got it. He made the loan process much easier to understand and it was done fast! Dennis does amazing work!
levy thao from Modesto, CA
As a first time home buyer, I was extremely nervous and confused with the process and terminologies of loans. Denny was extremely patient and took the time to properly walk me through every step while answering all my questions. We always kept me updated with the currently interest rate percentage to make sure I was getting the lowest rates possible. Would strongly recommend him to anyone, including friends and family.
Chris Hall from Pine Grove, CA
Incredibly pleasant to work with and extremely personable. Dennis was Very helpful by going above and beyond and even after closing checking in on me. Dennis came Highly recommended and I will do the same
juliaespinet from Modesto, CA
Highly recommend! Dennis is very knowledgable, professional and ensures your loan closes on time. We were able to close escrow in less than 30 days on our FHA purchase. Thank you Dennis!!
Raul S. from Keyes, CA
Dennis is truly a godsend, his knowledge and years of experience are a comfort during the stressful process of purchasing a home. I can always count on a quick response from him when I have a question. This is our 3rd time working with him and I truly believe that he has our best interest at heart. Cannot say enough good things about him. Will never use anybody else!
user0282450 from Spokane, WA
I have worked with many lenders through the years and Dennis Hughes is so easy to work with, so knowledgeable about everything, I feel totally confident referring him to all my potential buyers, they can call him any time and he is always available and returns their calls and answers all their questions. Even if they end up going with a different lender (usually because of a family friend or member, he still follows through to make sure their transaction went well. I will continue to refer Dennis to all my buyers!Krystal BiggerRealtor/Coldwell Banker MLP
lerainking from
Modesto, CA
Dennis helped answered many questions regarding bankruptcy and foreclosures. He was very professional as well as knowledgeable. Unfortunately, I won't be able to get a loan until 2 years after my bankruptcy gets discharged. I look forward to working with Dennis when that time comes.
djohnson1245 from
Ripon, CA
Dennis is a smart guy. My loan looks impossible to do right now but he took the time to explain what was wrong and what I needed to do to get it done. It will take some time to get some money together for my downpayment and I will use this guy when I get ready. I told him I would send all my friends his way. good guy
triciab777 from Sonora, CA
I cannot put into words how amazing Dennis has been for my family and our dream to purchase a home. No matter day or night, he is there for guidance on the simple questions that pop into our heads, as well as walking us through the large hurdles that can be scary to a novice. The experience that he brings to the table along with his professionalism makes him a fantastic find for anyone looking for real estate/financial services. I just pray that is never retires!! :)