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Better loan comparisons
Compare the interest rate and lender costs together, not just the advertised rate.
Personal service • California home loans
A home loan without the bank hassle — at rock bottom rates!
36+ years of mortgage experience and 10,000+ loans closed. Straight answers, competitive wholesale pricing and no sales pressure.
36+Years of experience
10,000+Loans closed
CaliforniaStatewide lending
The Lend4less difference
Experienced lending. Less hassle.
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Fast, personal service
Direct communication with an experienced mortgage broker from pre-approval through closing.
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Complex properties welcome
Manufactured homes, rural acreage, wells, septic systems, hobby farms and other challenging files.
Mortgage services
The right loan for your plans.
Home purchases, refinancing and specialty lending throughout California, with personalized guidance and transparent costs.
Mortgage education
Learning Center
Browse plain-English guides about loan programs, qualifying, payments, property condition and more.
Browse by topic
Original full Learning Center articles remain available at lend4less.com/learning-center/articles.
Expert mortgage advice
Home Loan Tips Blog
Helpful posts for homebuyers, homeowners, veterans and real estate professionals.
Blog categories
Explore mortgage articles
Do VA Refinance Rates Differ from Purchase Rates?
Important rate and cost considerations for eligible veterans and service members.
Read in original blog →Pay Off Your Mortgage Early or Invest?
Compare your options when you have extra money to put to work.
Read in original blog →Manufactured Home Red Flags
Property and financing issues to look out for early.
Read in original blog →The original blog and its full post archive can be read at www.lend4less.com/blog.
Get in touch
Ask a question. No pressure, no cost.
Talk directly with an experienced broker about purchasing, refinancing, qualification or a difficult property.
Let's talk about your home loan.
No credit pull needed to start the conversation. Tell me what you are planning and receive a clear answer about your options.
Email: Dennis@lend4less.com
Phone: 209-602-4900
Contact information
Dennis Hughes
Mortgage broker serving California
Purchase • Refinance • Manufactured Homes • VA • FHA • USDA • Conventional • Jumbo
Experience and personal attention from the first question through closing.
Use the existing secure contact form →