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I'm Dennis Hughes, Mortgage Broker & Owner of RockBottomRate also known as Lend4less.  I can save you thousands of dollars with my hassle free home loan process sharpened from my 35+ years of experience while closing 10,000+ loans.  What you get from me:

  • Fast closings in as little as 11-12 days

  • Simplified loan process

  • All home loan questions answered

  • Fantastic communication with your loan options detailed verbally and in writing

  • Transparent "Rockbottom" loan pricing that consistently beats banks & big lenders

  • No pushy hard-sell crap you get from other lenders!

  • Just the info you need to make the best decision for YOU!

Current average nationwide rates----

My rates are typically lower than these listed averages by .25% or more!

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Some rate tips-- higher the lender fees (including points) the lower the rate. whether you pay points for a lower rate or not depends on your personal scenario and the potential for lower rates going forward.

Many online payment calculators are inaccurate, especially with property tax and home insurance numbers

Ours is easy to use and far more accurate!  

Click here to access

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