Close More TransactionsWith Less Hassle!
Welcome! As a successful real estate professional, how do you avoid buyer loan hiccups and help your buyers get a hassle-free loan at a lower rate? Partner with the right loan officer.
I'm Dennis Hughes, Mortgage Broker with Lend4Less Home Loans.I want to be your go-to lender!
36+ years of experience and 10,000+ closed loans means your buyer and your transaction are in good hands:
- Fast closings in as little as 11-12 days
- Simplified loan process
- Fantastic communication with detailed options
- Transparent 'rockbottom' loan pricing
- Hard to qualify buyer & property scenarios
- USDA zero down - great low rate loan
- VA zero down with jumbo loan amounts
- Conventional 3% down
- Manufactured home loans - 250+ closed
- Hobby farms and homes with acreage
Home loan tips
All Home Loan Guides
Guides and checklists designed to help with the common — and often complex — issues that are part of the home loan process. Use these reference materials to create smoother transactions and maybe even keep one from imploding.
Refinancing TipsRefinance — Is It Worth It?
Refi tip----for every one percent in reduction from your current rate it will reduce your current principal and interest (PI) portion of your monthly payment by about 10%, a 2% reduction will reduce your PI payment by about 20%
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Agent Loan TipsHow to spot a bad pre-approval letter
Artificial intelligence (AI) is now initially used by many loan officers & lenders to screen buyers and it's limitations contribute to home buyer's confusion and max sales price inaccuracies.
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Rate TipsAPR vs the loan Rate
Why isn't the lowest interest rate the most advantageous option? Initially, lower rates typically entail higher lender fees (points). It's important to consider a break-even point.
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Rate TipsWhy A Fed Hike or Cut doesn't change Mortgage Rates
A common misconception is that when the Federal Reserve raises or lowers interest rates, mortgage rates automatically move by the same amount. They don't.
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Rate TipsShop the Loan Price, Not the Rate — What Does That Mean?
After my nearly 40 years in lending, there is one constant I can attest to. The bigger the lender the higher their loan price! What exactly is the loan price? It's the combination of the rate and lender fee tied to that rate
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Loan Qualifying4 C's of Loan Qualifying
Getting a mortgage approved involves much more than having a good credit score and enough money for a down payment. Mortgage underwriters evaluate four major areas when determining whether a borrower and property meet loan guidelines. These are commonly known as the 4 C’s of mortgage underwriting:
Read the guide →Disclaimer: These guides and common scenarios are based on current rules and the author's decades of experience and are intended to be informative opinion, not legal advice. Rules and guidelines change constantly and individual lenders differ in their interpretation and underwriting overlays. Always verify details with the specific lender handling your loan.
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No credit pull to start, no sales pressure, and a real quote you can compare line by line against any bank or big lender.