RE agent info | Lend4less

Why should you use Dennis and Lend4less as your preferred lender choice?

Thanks for visiting our site--my name is Dennis Hughes -President of Lend4less.

As a successful Realtor, the last thing you want is a bad lender involved in your transaction. Bad lenders at worst, blow up a deal and at best create stress and tension with their lack of knowledge, upfront clarity -- and typically make mistakes that cost you, the buyer and even the seller money and time.

The ugly truth is nearly 80% of loan officers lack purchase loan experience--especially the big bank and online lender LOs. These big box loan officers depend on their assembly line co-workers to eventually catch the mistakes they make when originating the loan. If mistakes are not caught early or they are unfixable, deals blow up. That means only 2 out of 10 loan officers is likely to provide a smooth lending experience, especially on a transaction with some difficult moving parts like a unique property or a marginally qualified buyer.

Closing lots of refis gives these inexperienced loan officers the false impression they can handle tough purchase transactions. I'm sure many of the experienced agents out there have several bad lender stories to spotlight this ugly truth.

My #1 goal as a lending professional is to use my vast experience, explain everything communication skills and hard to compete with loan pricing that beats 99% of other lenders out there ---all to help you have a transaction that's smooth and as stress free as possible. And to earn your future business referrals.

Check out my 5 star referrals to see what my clients have to say about their experience.

Happy Customers!

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!

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%!

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!

Angela H.

Dennis is extremely knowledgeable and goes the extra mile to assist his clients. We knew right from the beginning that we were in good hands. Dennis demonstrated great professionalism, he answered ALL of our questions at a moments notice, and kept us updated throughout the process. We endured some probate challenges with our seller/Realtor and Dennis shared his knowledge, reassured us, was an immense help, and kept up informed. His expertise is outstanding! His genuine thoughtfulness and kindness is something we shall never forget about Dennis. He was so honest and sincere from day one. These are strong characteristics you would wish for and we were extremely fortunate and lucky to have been introduced to Dennis. We would HIGHLY recommend him!

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,

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!

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!

CoachBrn30 Groveland

Dennis Hughes did a great job handling my recent home refinance. He was easy to contact, answered my questions completely and helped me understand the process. He goes way beyond to give his clients great service. Without reservation I would recommend him to handle your next home loan.

Click Here to see more reviews

Home Loan Tips Blog

Welcome! Our blog articles are designed to help with common and often complex issues that are a part of the home loan process.

There is a ton of confusing misinformation online when looking for answers to your questions and and unfortunately some of this inaccuracy can cause you stress, lost time and money. Utilize these reference materials to assist in furthering your knowledge to create smoother transactions and maybe even keep one from blowing up!