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About Us

Thanks for visiting our site--my name is Dennis Hughes -President of Lend4less.  We can show you how to get a Hassle free Lower Rate and Save Money on Your Mortgage! 

Many people make the error of believing the choice of a mortgage company is the most important one they make when searching for a home loan.​  NOPE!  The most important choice is the right LOAN OFFICER!​  

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Any company can have great advertising gimmicks --with slogans like "Rocket Mortgage" --  and say they have the best rates available ---- most of which isn't true to begin with --- but if the loan officer is inexperienced, lazy or lacks integrity your experience can be a huge hassle that costs you time and money.

Putting your needs first should always be the #1 priority.  Do you really believe a call center lender or a bank employed loan officer cares more about your needs-- or are they going to do what their bosses want them to do?  If you believe these big lender loan officers will put your needs first-- then unfortunately their marketing gimmicks worked on YOU!​

There is no substitute for experience, knowledge and integrity.  A well connected mortgage broker is a great asset to help you navigate through the maze of home loan options and helps to make sure you receive the best rate at the lowest cost available!

Allow me to show you how it can feel to work with a very experienced loan Pro!  One who cares more about your needs than maximizing profits. 

Over 30 years in the mortgage business --  10,000 plus closed loans as a loan officer, sales manager and company owner - I use all that experience to reduce hassles for you --and save you money!

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Let's face it--no one enjoys the process of getting a mortgage --the fun part is finding and closing on that dream home.  Unless you're paying all cash, a mortgage is a required part of the process to buy or in the case of a refi, to get the financial savings you need.

Our job --and promise-- is to make the loan experience as hassle free for you as possible.  We beat 99% of other
lender's rates to save you money and even more importantly we use our experience, knowledge and ability to make your loan experience easy!  We answer all questions quickly and with all the details you deserve.


Purchase or refi - we guide you through the process --36+ years experience and 10,000+ closed loans prove we have what it takes to get your loan closed on time.
We treat you right & get it done -- All our 5 star reviews prove it!

Dennis is the best

Alex M. 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!

Why a bank or big lender isn't your best home loan option

When searching for a lender many people make the mistake of choosing a big name-- 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 wisely choose your lender!

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Some tips below to help you choose the right lender

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