Rock Bottom Rates

Rates lower than the big lenders

My name is Dennis Hughes and I can save you thousands on your home loan with my low hassle loan process!  Small town personal service with tons of 5 star reviews

Why should you trust me for your home loan?  Over 35 years in lending with 10,000+ closed loans means I have the experience & knowledge needed to make your loan process a breeze!

dennis easy

Let's Bust Some Myths

What you think might be stopping you probably isn't true
Myth

"I need 20% down"

Reality
Many first-time buyer programs require just 3% down, and some require nothing at all. That $350,000 home? You might only need $10,500 down.
Myth

"My credit score isn't good enough"

Reality
FHA loans accept credit scores as low as 580, and some programs go even lower. Less-than-perfect credit doesn't automatically disqualify you.
Myth

"I can't afford it with student loans"

Reality
Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many first-time buyers with student debt get approved.

Your Path to
Homeownership

We break it down into simple, manageable steps
1

Get Pre-Qualified

Find out what you can afford and what programs you qualify for. Takes just a few minutes.

2

Learn the Process

We'll educate you on every step so you feel confident, not confused.

3

Start House Hunting

Armed with your pre-approval, you can shop with confidence and make competitive offers.

4

Close & Move In

We handle the paperwork and details. You get the keys to your new home!

Programs Made for You

First-time buyers get access to special programs and benefits

Purchase Loans

Whether you're a first-time buyer or looking to upgrade, we have the right solution for you.

FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

Ready to Apply for Your Mortgage?

Start your home financing journey with our streamlined application process. Get pre-qualified and take the next step toward homeownership.

Start New Application

Begin your mortgage application process and get pre-qualified for your home loan.

Continue Application

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Multiple Loan Options