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Shopping for a low mortgage rate?
Need answers without a sales pitch?
You're at the right place!
Home Loans at Rock Bottom rates
Fast service & accurate
answers to all your questions
We beat 99% of other lender's rates and even more importantly we use our experience, knowledge and ability to make your loan experience hassle free!
Purchase or refi - we guide you through the process --10,000+ closed loans!
We treat you right & get it done -- All our 5 star reviews prove it!

Dennis is the best!

   Alex M. from Groveland, CA


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!

For more reviews --click here

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No Sales Pitch!!

   Donna N. from San Jose, CA

Don't you hate it when you inquire about refinancing your home, and your phone begins ringing off the hook?? Dennis is the real deal, and with no arm-twisting pressure! He has financed, as well as financed, homes for us. I'm a realtor, myself, but couldn't ask for a better lender to work with and to recommend to others!
For more reviews --click here

When searching for a lender many people make the mistake of choosing a high profile -- overpriced - slow to respond  lender.  Or even worse - a sweet talking -snaky loan officer who promises the world and delivers frustration and confusion.  Don't settle for high rates & fees, long delays, poor communication & lousy service.

Do your research, ask questions, demand excellence-- and choose wisely.  Choose Lend4less!

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Loan programs we specialize in

Consumate Pro and an Authority in the Mortgage Business!

   Jade R. from Groveland, CA


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!

For more reviews --click here

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Great Experience!

   Meghan S. from Groveland, CA


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!

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Contact me here with some details of your question --for a faster reply you can call or text me at 209-602-4900

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