Hi my name is Dennis and thanks for visiting my website.  If you're looking for a purchase or refinance loan and want some help with your options & how it all fits together--you found the right place!  My goal is to guide you through the confusing maze--and to help you make an informed, hassle free decision.  

Lower Rates than banks!

Don't get ripped off and pay too much.  I beat bank rates especially Wells Fargo, BofA & Chase and to put icing on the cake--without the long wait & typical bank hassle.  

I can close your loan in as little as 15 days!

Loan programs for borrowers with AAA credit to those with past problems--even with a recent BK, short sale or foreclosure--and all with aggressive, best in market interest rates!

Need $$ to purchase or refi a fixer upper?  You can close escrow on that property in need of repairs NOW and finish the work later!  Appraisal & inspection required repairs-even optional repairs like new paint, flooring, a new kitchen -- even new appliances can be included in the new loan.  Rural properties in need of well & septic repairs can be eligible.  

And a hard to find loan few lenders offer -- one for  a manufactured home in need of repairs -- is possible on my fixer upper program!

I offer manufactured home loans--purchase or refi -- on FHA, VA & conventional loan types.  I have the experience you need for this difficult property type -- over 500 closed!

Are you a first time buyer?  I'll give you the attention & quick professional answers you deserve to help you make a smart buying decision.

Self employed or hard to prove income?  I can help!  I specialize in difficult loan scenarios!

And please feel free to contact me with any questions --fill out the form below or email me at lendingwiz@gmail.com ---I'm here to help!


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Dennis E. Hughes is licensed by the California Bureau of Real Estate, Broker #01001409, NMLS #178729. This licensee is performing acts for which a real estate license is required. Dennis E. Hughes is an Equal Housing Mortgage Broker/Lender. Loan approval is not guaranteed and is subject to lender review of information.  Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers. Rate subject to change with market conditions.  The services referred to herein are not available to persons & property located outside the state of California


Expert Advice    Discount Rates

Weekly Mortgage Rates
Freddie Mac National Averages
 30 Yr Fixed 3.92%
 15 Yr Fixed 3.08%
 5 Yr Fixed 2.91%
 1 Yr Fixed 2.41%
Dennis E. Hughes
Box 1324
Ripon, CA 95366

Phone: (209) 602-4900
Fax: (800) 480-5090