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fast closing loans with bank beating
interest rates...

With over 10,000 loans closed, our expert advisers will guide you to the best possible mortgage loan - Purchase or refinance!

  $0 Down Home Loans

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Why spend more at closing than you need to? Here are 3 current home loan options that allow $0 down...

Click To Explore $0 Down Loans

   We Beat Bank Rates 

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We beat them all! Yes, even Quickens Rocket Mortgage... Ready to see the best rates around?

Click To Get The Best Rates Around

     Free 2nd Opinions

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You're entitled to a 2nd Opinion on your home loan, even if you already have a pre-approval. Worth it!

Click To Get Your Second Opinion

Quicken's "Rocket Mortgage" Is A Rip-Off - You Deserve Better!

Inexperienced Staff

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With more than 10,000 mortgage loans closed, you will benefit from my "hands on" approach to handling your loan that speeds your closing, minimizes paperwork, and delivers the best deal possible. 

Higher Costs 

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It's never fun paying more for a service than you have to. So why do it? Larger lenders means larger overhead and therefore higher costs. As your local personal mortgage lender, I can deliver your loan faster, with less headaches, and at a lower cost. 

More Delays 

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Few things are worse than counting down the days to your closing as you prepare to move into your brand new home - Only to have your lender call it off due to "unforeseen delays". Frustrating, costly, and to be expected with many large lenders. Let me show you how I make these problems disappear!

Testimonials From Previous Clients

My job isn't finished until you're so excited by the service you received, that you're ready to tell the world! Ready to experience this level of service first hand?

 Groveland, CA  
Closed: April, 2020

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!  

By -  meg.han.solo90                 

 Groveland, CA  
Closed: July, 2020

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! 

By - Jade R.  

Valley Springs, CA  
Closed: December, 2019

My husband and I quoted with a couple of different lenders throughout our process and none compared. Not just price wise but the relationship and service we received, we know we wouldn’t have found it with the other lenders. Dennis is extremely knowledgeable and helpful. We wouldn’t have been able to get through the process of purchasing our first home as smoothly as we did without him. Even pushing until the end for us to close on 23rd instead of our original date the 26th to be able to have our home by Christmas was amazing! Thank you Dennis, my husband and I recommend you 100%!

By - Jackelyn Garcia  

Don't Miss Out On The Best Mortgage Rates!

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Rates Can Change Daily - Don't Get Stuck Paying Higher Rates Than You Have To!

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"Hi, I'm Dennis Hughes and I look forward to wildly exceeding your expectations. Let's chat"! - NMLS #1395260 
Dennis Hughes - NMLS #178729
CA Dept of Real Estate - Broker ID #01001409
Colorado MLO.100511559
Lend4less, Inc NMLS ##1709349

Hi - Dennis Hughes here-- and I own Lend4less.  I can show you how to get a hassle free lower rate and save money on your home loan.  Many people make the error of believing the choice of a mortgage company is the most important one they will make when searching for a home loan.  Not! The most important choice is the right Loan Officer!  

PO Box 1859 -- 2209 Hartvickson Lane
Valley Springs, CA, 95252    

Call: 209-602-4900 
Fax: 800-480-5090