City First Mortgage
Kevin Hughes
Originating Branch Manager
NMLS #1505790
Licensed in California, New Mexico, Texas
A City First loan officer who can walk through your options in clear, everyday language.
Meet Kevin
With over 30 years in mortgage and financial services, I’ve built a career leading high-performing teams, optimizing operations, and delivering results. From launching startups to managing multi-billion-dollar loan portfolios, I bring deep experience and a proven track record to every partnership. I’m passionate about building a mortgage team that values people over transactions—putting customers, referral partners, teammates, and the company itself at the heart of everything we do. Builders: I understand the importance of reliability, speed, and strategic alignment. I work closely with builders to ensure seamless financing solutions that support your timelines and elevate the buyer experience. Realtors: I partner with agents who want more than just a lender—I offer a collaborative relationship built on trust, communication, and shared success. Loan Officers: If you're looking to join a team led by someone who’s walked the path, built the systems, and knows how to win—let’s talk. Borrowers: You deserve a mortgage experience that’s clear, responsive, and tailored to your goals. My team is here to guide you every step of the way. If you're ready to work with a proven leader who puts people first, let's connect.
The Homes and Conversations Behind the Loan
Kevin helps with the loan. These photos are a reminder of what that loan is for: a home, a conversation, and a next step you can understand.
Swipe sideways to see each photo.
A Home You Will Live In 
The Front Door, When You Are Ready 
Everyday Life After the Keys 
A Room You Can Picture 
Neighborhoods in the States I Serve 
A Conversation You Can Follow
How I Help
Conventional
A common loan for buying a home when you can document income, credit, and a down payment.
FHA
A government-insured loan that some buyers use when a conventional loan is not the best fit.
First-Time Buyers
A plain-English path for people buying a home for the first time, or for the first time in a long while.
VA & Military
A home loan benefit for some veterans, service members, and surviving spouses.
USDA & Rural
A loan for some homes outside city centers, when the address and the household fit the program.
Jumbo
A loan for a higher-priced home that is above the usual conforming loan size in that county.
Down Payment Assistance
Local and state programs that may help with the cash you need to buy, when you and the home qualify.
Refinancing
Replace the loan you already have, change the term, or take cash from equity. Each path has costs.
Try a Number, or Narrow the Loan
Estimated Principal and Interest
This is an estimate based on the numbers you enter. It is not a full monthly payment, a rate quote, or a loan offer. Taxes, insurance, and other costs can add to what you pay.
Loan Match
About 90 seconds. The result stays with Kevin.
Question 1 of 9
What Are You Hoping to Do?
About 90 seconds. You can say “not sure” and still see a place to start.
Not answered
What to Expect Working With Me
01
You Reach Out
Call, text, or send a note. I reply using the number and email on this page.
02
We Look at Your Situation
We talk about the home, your income, and what you want the loan to do. Do not send a Social Security number on this website.
03
You See Options That May Fit
We walk through programs in clear, everyday language. Nothing on this page is a promise of approval.
04
We Stay Through Closing
You know what happens next, and you can still reach me.
Talk With Kevin
- Call (415) 858-4075
- Text (415) 858-4075
- kevin.hughes@city1st.com
- Licensed in California, New Mexico, Texas
A scheduling link will appear here when Kevin adds one. Until then, call or send a note.
Save and Share
Use this page on a business card or in an email signature. The short link opens Kevin's page.
https://city1st.com/kevin-hughes