Welcome Agent!
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I want to help you close more deals, reduce loan hassle and get more referrals from happy buyers & sellers!

I'm Dennis Hughes -with 36+ years of home loan experience and 10,000+ loans closed!

Why should you trust me with your buyer?
I have the ability, seasoning & knowledge you need to provide a smooth loan experience for you and your buyer
Small town personal service with tons of 5 star reviews
All questions answered --Never any sales pressure
My rates are typically a quarter percent or more lower than banks and big lenders

Some form of artificial intelligence (AI) is now initially used by most lenders to screen buyers and it's limitations contribute to a reduction in the quality of a preapproval letter

Click for more....

Nearly a third of home loan applications are denied or run into a major hassle delay once that file hits underwriting. Here are some tips to keep a deal from blowing up--and even knowing when to pass on that deal. Click for more....

Close in 2 weeks or less on a purchase loan
Refinance can close as fast as 11 to 17 days-reach out for info
Rates lower than the big lenders-- save thousands!
Conventional--FHA--VA --USDA --Jumbo Loan programs

Home Loan Tips

Bad pre-approval letters

Common problems with Mortgage Preapproval Letters-- Prequalification pretending to be a preapproval -- and why that matters

Manufactured Home red flags

Closing Costs Explained

Mortgage loan closing costs explained

Seller Funded Buydowns: Everything you need to know

Uncover the secrets behind seller-funded buydowns and gain a comprehensive understanding of how they work in real estate transactions.

First Time Home Buyer Basic Tips

Home Buyer Tips-quick points

What Drives Mortgage Rates?

Rate quotes from lenders often seem to be all over the place, constantly changing and these rate quotes hardly ever match what you see...

You deserve a lender & loan officer that can do all of this -- with results backed by tons of 5 star reviews!
Read what our happy customers say!

Alex M.

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!

Jackelyn G.

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%!

Dick L.

We have worked with Dennis through three home purchases and several re-financings. He has proven to be the consummate lending professional and he made our pursuit of a home mortgage loan successful, painless and free from unpleasant surprises. He has also helped us think through various financial scenarios and can be counted on to come up with creative solutions to our life planning issues. We found him always to be completely honest and forthright. Actually, he is fun to work with! I would recommend him without hesitation to anyone in search of a home mortgage!

Angela H.

Dennis is extremely knowledgeable and goes the extra mile to assist his clients. We knew right from the beginning that we were in good hands. Dennis demonstrated great professionalism, he answered ALL of our questions at a moments notice, and kept us updated throughout the process. We endured some probate challenges with our seller/Realtor and Dennis shared his knowledge, reassured us, was an immense help, and kept up informed. His expertise is outstanding! His genuine thoughtfulness and kindness is something we shall never forget about Dennis. He was so honest and sincere from day one. These are strong characteristics you would wish for and we were extremely fortunate and lucky to have been introduced to Dennis. We would HIGHLY recommend him!

Close more transactions with less hassle!