Your Best Interest
for Mortgage Loans

Serving Massachusetts, California & Florida

Loan Products

Interested in a higher-priced property that exceeds conforming loan limits? We offer tailored financing for luxury and high-value real estate with access to competitive rates and customized solutions for complex income or asset scenarios.

Conventional Loans

We offer flexible financing with competitive rates for qualified buyers, ideal for primary homes, second homes, or investment properties. With a range of term and down payment options, conventional loans are a smart choice for borrowers with stronger credit profiles.

Jumbo Loans

VA loans offer eligible veterans, active-duty service members, and military families exclusive benefits like no down payment and no private mortgage insurance. Backed by the U.S. Department of Veterans Affairs, they deliver flexible, affordable financing for those who have served our country.

FHA Loans

FHA loans provide accessible home financing with lower down payment requirements and more flexible credit guidelines, making them ideal for first-time buyers. Backed by the Federal Housing Administration, they help more borrowers qualify with confidence.

VA Loans

AND MORE!
Get Pre-approved!

About Our
Company

At Brian McHugh Mortgage Broker, we believe getting a home loan shouldn’t feel confusing or high-pressure. With more than a decade of experience in real estate and finance, we help buyers, homeowners, and investors navigate the mortgage process with clarity and confidence.

As an independent mortgage broker, we work with a network of trusted lending partners to find competitive rates and loan programs that fit your unique financial situation—not just a standard template. Our approach is simple: thoughtful guidance, clear communication, and mortgage solutions that always put your best interest first.

McHugh, Brian, D NMLS #2720020

Real advice. Transparent options.

A better path to home financing.

Learn More

  • "I have been working with Brian McHugh to refinance the loan for my investment property, and it has been a very pleasant experience working with him. He is very patient and was there with me every step of the way til the close. He has been very professional throughout the whole process and did his due diligence if there were any questions that needed to be answered. I would highly recommend him for all your refi and home loan needs!

    — Bobby (San Carlos, CA)

  • "Brian was extremely helpful throughout the entire process. He was always quick to respond, providing regular updates and info. Highly reccomend!"

    — Mike (Victorville, CA)

  • "You can always tell a great loan officer when you go back to them the next time you need financial services. I just completed my 2nd loan with Brian and I must say he is the best I've ever had the pleasure of working with. He is willing to work around your schedule and with whatever form of communication you prefer. This allowed a much faster turnaround when documents or other information was needed. I have recommended him to others and I would give him 10 stars if I could. You can't go wrong trusting Brian with your financial needs. He will listen and work hard to get you exactly what you ask for. He always has your best interest in mind."

    — Brian (Rancho Cucamonga, CA)

  • Brian McHugh worked with me to refinance my property. It was the fastest loan refinance I've ever gone through. Brian was professional, followed up, and communicated to make the process smooth sailing! Highly recommend! Thank you again!

    — Elvie (Carson, CA)

  • Brian helped me refinance my home. It was a wonderful experience in an otherwise potentially stressful ordeal. I recommend him highly as he was referred to me by my father. Very thorough and helpful.

    — Fred (Stockton, CA)

Frequently Asked Questions

  • The best thing to do is call or email me so we can talk through your situation, your goals, and what you’re trying to accomplish. Once I understand the basics, I can put together a personalized financial plan that fits your needs and helps maximize the loan amount that makes the most sense for your future.
    In most cases, you’ll need:

    ‍Recent pay stubs (last 30 days)
    ‍W-2s or tax returns (last 2 years)
    ‍Bank statements (most recent 2 months)
    ‍Valid state-issued ID

    ‍Additional documentation may be required depending on your income type, employment, credit profile, and the loan program you’re applying for.

  • Approvals take up to 24 hours, depending on your application and how quickly you provide documents. Delays may occur if information is missing. I try to get them out day I receive them!

  • Yes, pre-approval is recommended. It helps define your budget and shows sellers you’re prepared.

  • We offer a full spectrum of home financing options, including Conventional loans with terms from 15 to 30 years and no PMI options, government-backed FHA loans (with low down payments) and VA loans (with 0% down for eligible veterans and no monthly mortgage insurance). For higher-value properties, we provide competitive Jumbo loans, including fixed-rate and ARM options, and specialized bank-statement programs. We also focus on First-Time Homebuyer Programs, offering low down payment options and reduced mortgage insurance costs to help you achieve homeownership.

    Beyond home purchases, we offer Refinance Options (Rate & Term, Cash-out, and streamlined programs), and flexible solutions like HELOCs, Home Equity Loans, and Secure Second Mortgages to help you access cash without altering your existing first mortgage. For unique situations, we have a variety of Specialty Programs, including temporary buydowns, investment property loans, self-employed-friendly financing, and options for non-warrantable condos. The right choice is always determined by your income, down payment, credit profile, budget, and long-term financial plan—we will review your full scenario and match you with the best available program.

  • Getting started is easy! Simply reach out to us through our website contact form,
    email TheBrianMcHugh@gmail.com, or by giving us a call (339)368-0712.
    We'll schedule an initial consultation to discuss your Goals!

Get In Touch

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