Areas served
California counties I lend in
Based in Calaveras County for the last decade, with clients, agents and closed loans throughout the Mother Lode and the northern San Joaquin Valley.
Statewide
All of California
Purchases, refinances and every standard loan type anywhere in California. The counties below are my most active local markets, not the limits of where I lend.
Primary markets
Foothill counties where manufactured homes, USDA zero-down rural loans, hobby farms and acreage make up most of what I close.
Calaveras County
46,000 residents
Home base. Dennis has lived and lent in Calaveras County for over a decade, financing manufactured homes, USDA zero-down rural purchases, hobby farms and bare-land-to-home projects from Valley Springs to Arnold.
See loan options →Tuolumne County
53,000 residents
From Pine Mountain Lake and Groveland up through Sonora, Twain Harte and the Highway 108 corridor — second homes, cabins, manufactured housing and rural acreage are everyday files here.
See loan options →Amador County
40,000 residents
Wine country and Gold Country living — Jackson, Sutter Creek, Ione and Plymouth. Manufactured homes, small acreage and USDA rural loans are the bread and butter of this market.
See loan options →Also serving
Valley counties where I work with past clients and referring agents on purchases, refinances and every standard loan type.
San Joaquin County
824,000 residents
Valley purchases and refinances across Lodi, Manteca, Tracy and Stockton — conventional, FHA, VA and jumbo, with pricing that consistently undercuts the big banks.
See loan options →Stanislaus County
558,000 residents
Modesto, Turlock, Oakdale and the surrounding valley towns — full-service home lending backed by past clients and agent referrals throughout the county.
See loan options →Get a straight answer today
No credit pull to start, no sales pressure, and a real quote you can compare line by line against any bank or big lender.