Jay Hughes, Senior Loan Officer - Cambridge & Belmont, MA

About Jay

Jay Hughes has originated loans throughout Massachusetts, giving him a broad perspective on mortgages and home buying that benefits all of his clients. While the property locations may vary, his focus on customer service is appreciated everywhere.
“I am a relationship person, not a transaction person. When you trust me to do your mortgage, there will be no surprises at any point during the process, especially at the closing table. ” -Jay Hughes
Jay focuses on conventional, FHA, and VA financing for a wide variety of clients. They appreciate the fact that he always returns phone calls and has extensive knowledge of the many mortgage products which he offers. He wears the “good, no-nonsense communicator” label with pride, having heard that assessment from past clients multiple times.
Jay has been originating mortgage loans since 2003. He built his business on a foundation of providing exceptional service to borrowers, as well as to real estate agents and the many other professionals who work together to ensure a smooth transaction.
Originally from Belmont, Jay has lived in Watertown since 1991. He and his wife have raised their children there and love its diversity and resiliency. Jay holds a Bachelor of Arts Degree from Framingham State University.
In his free time, Jay enjoys watching both his son and daughter play sports. He also volunteers with Boys and Girls Club, Rotary Club, Watertown Youth Hockey, and Watertown Youth Lacrosse, which he helped found.

About PHH Home Loans, LLC

PHH Home Loans is a joint venture between PHH Mortgage® and Realogy Holdings Corp. Through this partnership we provide mortgage origination services to more than 700 real estate offices within NRT LLC, Realogy’s company-owned real estate brokerage business and the largest residential real estate brokerage in the nation. For over 20 years, we have dedicated our energies to one goal – helping customers obtain home financing. Other lenders may split their attention among multiple lines of business – but for us, mortgage is all we do. We pride ourselves on our long-standing, faithful commitment to providing home financing for the American dream.

PHH Home Loans offers:

  • Convenient free pre-approval programs
  • Access to local and national investors
  • FHA, VA and state housing programs
  • Conforming and jumbo loans
  • Adjustable and fixed rate programs
  • Personal assistance from application right through to closing

Start today by applying on-line to determine what mortgage is best suited for you and we'll help you achieve that dream home you desire.

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Jay Hughes
Senior Loan Officer - Cambridge & Belmont, MA
NMLS# 36440

Contact Information:
Phone: 617-756-9960
Fax: 856-917-1311
Email Me

1730 Massachusetts Ave
Cambridge, MA 02138

PHH Home Loans, LLC

PHH Home Loans, LLC, 1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID # 4256. (www.nmlsconsumeraccess.org). Massachusetts Licensed Lender #MC4256; Licensed by the New Hampshire Banking Department; Rhode Island Licensed Lender. Equal Housing Lender.

PHH Home Loans, LLC d/b/a Coldwell Banker Home Loans.  1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID #4256. (www.nmlsconsumeraccess.org) Alaska Licensed Mortgage Lender #AK4256-2, 866-462-8266; Arizona Residential Mortgage Licensee #BK 0907285; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Licensed by the Delaware State Bank Commissioner  #8094; Georgia Residential Mortgage Licensee #20292; Illinois Residential Mortgage Licensee #MB.6759857; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Massachusetts Licensed Lender and Mortgage Broker #MC4256; Minnesota – This is not an offer to enter an interest rate lock-in agreement; Montana Licensed Mortgage Lender #4256; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Licensed Mortgage Banker – NYS Banking Department; Ohio Certificate of Registration  MB. 804019; Rhode Island Licensed Lender. Equal Housing Lender.