top of page
Welcome!
Thanks for visiting my site
I want to help you close  your loan faster  and with less hassle while saving you thousands of dollars in the process!
I'm Dennis Hughes -with 36+ years of home loan experience and 10,000+ loans closed!
Why should you trust me for your home loan?
Experience & knowledge to make your loan go smoothly!
Small town personal service with tons of 5 star reviews
All your questions answered--Never any sales pressure
Close as fast as 12 days purchase -16 days refinance
Rates lower than the big lenders-- save thousands!
Conventional--FHA--VA --USDA --Jumbo Loan programs​
Serving all of California
ChatGPT Image Jun 16, 2026, 05_42_30 PM.png

Experience the Difference working with a highly skilled lender who cares about your needs & consistently delivers the best rates!


36+ years in the mortgage business -- over 10,000 closed loans as a loan officer, sales manager and mortgage company owner!


You communicate with me from start to finish -- I'm always available & ready to provide solutions with straight forward answers--and no sales pitch!

Liar Liar Pants on Fire.png

I beat 99% of other lenders rates & fees -- and pass on the savings to borrowers like you! How?

I keep my company overhead small and lean and capitalize on my 10,000+ funded loan experience to streamline your loan process, reduce your costs & eliminate loan hassles!

Happy Customers!

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,

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!

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.

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

ChatGPT Image Jul 30, 2026, 03_35_59 PM.png
eho.png

Powered by Xpert Home Lending Inc.

DRE #02166758  NMLS: 2179191

Sacramento office

3017 Douglas Blvd
Suite 300
Roseville, CA 95661

Corporate Office:

100 Highpoint Park Way, Suite 202,
Braselton, GA 30517

© Copyright 2014-2024

All Rights Reserved  Lend4Less.com

bottom of page