Dennis Hughes

Mortgage Broker

NMLS: 178729

209-602-4900

Dennis@lend4less.com

Dennis Hughes Mortgage Broker

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Does Refinancing your Mortgage Make Sense?

Does Refinancing your Mortgage Make Sense?

Is your current mortgage rate still working for you? If you're paying more than necessary, now might be a good time to consider refinancing. Even a small drop in your interest rate can make a noticeable difference in your monthly payments — and your

Sep 16, 2025 | Interest Rates

Average mortgage rates nationwide

Average mortgage rates nationwide

The truth about online rate quotes When shopping for a home loan, it’s easy to feel overwhelmed. Ads are literally everywhere --so how do you cut to the chase and find the best rate for you? One of the most important things you can do is look at the

Jun 26, 2025 | Interest Rates

Should You Hold Out for Lower Interest Rates Before Buying a House?

Should You Hold Out for Lower Interest Rates Before Buying a House?

Is Now the Right Time to Buy a Home? Buying a home today can feel uncertain. On one hand, finding the right property is exciting. On the other, high interest rates can make you second-guess your timing. So, should you buy now or wait? The answer depends o

Jun 03, 2025 | Interest Rates

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

5 Tips for Buying a Home When Interest Rates are High

5 Tips for Buying a Home When Interest Rates are High

Buying a home may feel harder right now because of rising mortgage rates. But the truth is, with the right plan, you can still make it happen. Here are five practical steps that can help you purchase a home while keeping your costs down. 1. Consider Fixer

Apr 22, 2025 | Interest Rates

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