Shopping for a low mortgage rate? Need answers without a sales pitch?

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!

Home Loans at Rock Bottom rates Fast service & accurate answers to all your questions

Please use the contact form below to get in touch with us

Dennis Hughes
NMLS #178729

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!

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Conventional Mortgages

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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!

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!​ 

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!

Big Lenders are bad for you!

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

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.

How To Get Your Loan Approval Faster?

A lot is going on behind the scenes to get your loan approved and meet the deadlines set by your sales contract. To ensure that these deadlines are met, we need your cooperation. Please provide the items requested below as soon as possible.

Identification

Income Documentation

Asset Documentation

Credit/Debt Obligations Information

Information for the property being purchased

If You Are Selling or Refinancing Your Current Home

What RE Agents receive from us

Reliable Pre-approvals

A successful Realtor does not want to waste time with a buyer prospect who cannot qualify for financing

Reliable On-Time Closings

When an agent refers a buyer & contract to a lender that transaction is the product of many hours of work on the part of the agent and the buyer.

Reliable On-Time Closings

When an agent refers a buyer & contract to a lender that transaction is the product of many hours of work on the part of the agent and the buyer.

Contact us for More Information

Fill out the form and a member of our team will contact you within 24 hours.

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Welcome! Whether you’re a seasoned real estate pro who’s seen it all or new to the profession, this website contains home lending tips & tricks compiled from over 10,000 closed loans during my 35+ years as a mortgage company owner, sales manager and loan officer.