top of page
logo trans white red.png

Shopping for a low mortgage rate?
Have questions and need answers without a sales pitch?
Need to close fast?

You need a lender & loan officer that can do all of these while giving you personalized service, provide great communication and with tons of 5 star reviews to back it up!
I'm Dennis Hughes, President of and you're at the right place.

contact 103.png
save 5k with low hassle.png

The ugly truth about home loans.

It's ironic that many lenders market getting a home loan as unique & cool while trying to hide how inconvenient the process typically is.   Like putting lipstick on a pig.


The truth is finding and closing a home loan is a gigantic hassle!  No one truly enjoys the process of getting a mortgage --the exciting part is finding and closing on your dream home.

Since most home buyers need a mortgage  choosing a lender that minimizes  this inconvenience while saving you money --- AND also provides you with the detailed information and service you deserve is SUPER IMPORTANT!

Click HERE to find out why we're the right choice!


Some tips below to help you chose the right lender

Tip #1 Don't fall for a big lender ad campaign scam and overpay for your home loan.  Learn how to choose your lender wisely and save thousands!
Click HERE for more details

bank got me 2.png

Tip #2 The choice of a Loan Officer is more import than a lender to ensure a low hassle loan!
An experienced professional loan officer makes all the difference.  They are your initial and primary contact for any lender and a good one will provide accurate answers to ALL your loan questions and provide the prompt detailed  communication you deserve.
Click HERE for more details

10000 closed.png

Tip #4 You need an accurate monthly mortgage payment calculator.  Many online payment calculators contain misinformation leading to eventual payment shock for a home buyer.  Our payment calculator is far more accurate!
Click for more details

calculator 1.png

Tip #5 Do research -read a lender's online reviews and talk to local "in the know" real estate professionals
Click for more details


Tip #6 Understand how  your unique financial criteria, property type and transaction terms play a part in qualifying for a home loan and the rate you may receive.
Knowledge is key to your home purchase - learn the 4 C's a lender reviews to qualify you for a mortgage and what factors can be a problem
Click for more details

4 cs of loan qualifying feb 2024.png

Tip #7 Understand why most online lender rate quotes are inaccurate and sometimes flat out lies-- and learn what factors affect interest rates both nationally and specifically for you & your scenario
Click for more details

rate factors.png NMLS #1395260 
Dennis Hughes NMLS #178729
CA Dept of Real Estate -
Real Estate Broker ID #01001409
Colorado MLO.100511559


Copyright 2014-2024 All Rights Reserved

homeloan tips toolbox.gif

PO Box 1859

2209 Hartvickson Lane

Valley Springs, CA, 95252    

Call Now : 209-602-4900 


bottom of page