Dennis Hughes

Mortgage Broker

NMLS: 178729

209-602-4900

Dennis@lend4less.com

Dennis Hughes Mortgage Broker

Blog

Modifications to the original manufactured home

Modifications to the original manufactured home

Modifications to the original manufactured home.   The manufactured home loan process is more complex than financing a traditional site-built home.Not all lenders offer loans for manufactured homes and many who do are not proficient with this lo

May 05, 2025 | Manufactured home loans

Manufactured, modular or mobile home --and what's the difference?

Manufactured, modular or mobile home --and what's the difference?

Manufactured, modular or mobile home --and what's the difference? The manufactured home loan process is more complex than financing a traditional site-built home. A manufactured home is better known by names like mobile home, double-wide or trailer.

May 05, 2025 | Manufactured home loans

Manufactured HUD tags or the data plate missing-what next?

Manufactured HUD tags or the data plate missing-what next?

Manufactured HUD tags or the data plate missing-what next? The manufactured home loan process is more complex than financing a traditional site-built home.Manufactured homes are built to a national building code established by the U.S. Department of Housi

May 05, 2025 | Manufactured home loans

Is your manufactured foundation acceptable to lenders?

Is your manufactured foundation acceptable to lenders?

Is your manufactured foundation acceptable to lenders? Why the California HCD433 isn't evidence the foundation is ok for lenders.  Many agents and buyers/sellers erroneously assume if a HCD433 (California form) has been recorded against the prop

May 05, 2025 | Manufactured home loans

Big lenders and the Rate Quote game

Big lenders and the Rate Quote game

Big lenders and the Rate Quote Game Bigger the Lender the more you pay-- 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!Funds for home lending flow through various sou

May 02, 2025 | Interest Rates Closing cost tips

PMI vs MIP: What You Need to Know Before Buying a Home

PMI vs MIP: What You Need to Know Before Buying a Home

When you're buying a home, you'll likely hear the terms PMI (Private Mortgage Insurance) and MIP (Mortgage Insurance Premium). While these might sound confusing, they're actually important tools that help many people become homeowners sooner—especia

Apr 24, 2025 | Purchasing a Home FHA loan tips VA loan tips USDA loan tips Conventional loan tips