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

You deserve a lender & loan officer that can do all of this -- with results backed by tons of 5 star reviews!
Read what our happy customers 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!

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!

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home loan tips

Our Guides & checklists listed are designed to help with common and sometimes complex issues that complicate the home loan process. There's a ton of confusing misinformation when searching for answers online and a common complaint I hear is the inaccurate info provided by some inexperienced or incompetent loan officers. Utilize these reference materials to help create a smoother and less stressful transaction.

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!