Why should you trust me for your home loan?
Experience & knowledge to make easy loans a breeze and hard to qualify loans go smoothly!
Why choose me for your home loan?
I'm Dennis Hughes -with 30+ years of home loan experience and 10,000+ loans closed!
I want to close your loan faster --with less hassle --while saving you thousands of dollars in the process! Never any sales pressure, just solid, accurate info to help you make the best decision for you and your family.
NMLS #178729 RE Broker CA Dept of RE #01001409 Direct line (209) 602-4900
Big offices, ad costs and executive pay add up-and the only way for them to be profitable is to pass those costs on to their customers!
The key thing to know is banks and big lenders constantly struggle to maintain a profit margin with the huge cost of their corporate offices, big advertising budget and enormous executive salaries. They need to squeeze every dollar they can out of each loan they close - and the only way to do that is to increase their gross profit margin by increasing the rate and lender fees they charge a borrower--meaning you!
The end result is a Mortgage Broker who operates efficiently will charge you much less and still be profitable.
Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.
FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.
Low or no down payment, government insured loan for veterans and their families with competitive rates.
Hundreds of manufactured home loans closed-we are experts! Be careful! Many other lenders have little to no experience with manufactured homes.
Zero down payment with great rates Income restrictions apply. Similar qualifying criteria as an FHA loan.
When loans exceed conforming limits for the property's location. Jumbo loans are available for those who are looking to purchase a home that exceeds the conforming loan limits.
Loans for the self employed borrower who can't qualify for a regular home loan. We can use bank statements, 1099s and in some cases a P&L with a couple of months of bank statements to back it up. Self employment less than 2 years may be acceptable. Purchase or refi.
Ranch and small farm properties often will not qualify for regular home loans due to zoning, or property improvements used for hobby farm/ranch income or a large acreage parcel. Let's take a look and see what we can do! Purchase or refi.
Short term rentals like Airbnb or VRBO can be difficult to finance on traditional home loans. We have programs that may be able to help! Purchase or refi.
Learn More about Home Renovation Loans
Aug 05, 2025
Looking to renovate your current home or buy a fixer-upper? A HomeStyle loan combines your mortgage and renovation costs into one simple loan.
Explaining the Mortgage Contingency Clause
Jul 29, 2025
Mortgage contingency protects your deposit if financing falls through. Discover when to include this clause and how to customize terms for your home purchase.
The Changing Tides of the Housing Market
Jul 22, 2025
More homes are on the market and affordability is shifting. Find out how this benefits buyers and why now is a smart time to purchase.
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
Jul 15, 2025
Learn what to consider before buying a vacation home, from location to costs, rentals, and climate risks.
What Our Customers Say About Us
We care what our customers think of us and so should you. We are partners in your business and your success is ours.
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