Helping families become
homeowners
since 1988.
From FHA and VA to manufactured homes and renovation loans — LandHome Financial has the right loan for your unique situation, backed by 38+ years of experience.
What brings you here today?
Serving families for 38+ years
Licensed nationwide
Clients who come back and refer friends
Master servicer in 8 state programs
What brings you here? Pick the one that fits.
Eight loan paths. One short form. Tap any card to start a conversation tailored to your situation — not the average borrower’s.
Buy a new home
Conventional, FHA, VA, USDA. First-time buyer or move-up. Get pre-approved before you shop.
Refinance my current loan
Lower your rate, shorten your term, or take cash out of the home you already own.
Buy a manufactured home
Single-wide, double-wide, with land or in a community. We've specialized in this since 1988.
Finance renovations
Buy a fixer-upper or improve your current home. Roll the renovation into your mortgage.
Open a HELOC
Tap your home's equity as a flexible credit line. Borrow only what you use, when you need it.
Reverse mortgage
Convert home equity into income. No monthly mortgage payment, you stay in your home.
First-time buyer
Down payment assistance, low-down conventional, FHA — we partner with 8 state housing authorities.
Build new construction
One-time-close construction-to-permanent financing. From foundation to keys, one loan.
Not sure which loan fits?
Most borrowers don't know what they qualify for — or what's even possible. Three quick questions and we'll point you to the right starting place.
What's your situation?
Your recommendation will appear here.
Answer the questions on the left and we'll match you to the loan that fits your situation.
Know your numbers
before you apply.
Estimate your monthly payment, see how much home you can afford, or calculate your refinance break-even. Results update in real time.
Not just another
mortgage company.
The mortgage industry has thousands of lenders. Very few have our history, our breadth of programs, or our commitment to the borrowers other lenders turn away.
We opened our doors in 1988 — before the internet existed. Since then, we have navigated every market cycle, rate environment, and regulatory shift. Our borrowers come back because the fundamentals never change: honesty, speed, and expertise.
Manufactured homes. ITIN borrowers. Bank statement self-employed. Renovation. Reverse. Construction. Over 15 distinct loan programs — not as an afterthought, but as a core part of our business. We say yes when others say no.
When you call, a licensed loan officer answers — someone who has done this for years and will be your single point of contact from application to keys. No bots. No outsourced processors. No assembly-line lending.
LandHome Financial Services is a master servicer for Housing Finance Agencies in 8 states. That means we service the DPA bonds and program funds ourselves — not a sub-servicer. Faster decisions, better outcomes for first-time buyers.
Ready to experience the difference? Start a no-obligation conversation with a loan officer today.
Closing in 21 days.
Here’s how.
The national average for closing is 43 days. Ours is 21. This is how we do it — and what you can expect at every step.
Start Your Application
A quick online application or 15-minute phone call is all it takes to begin. No hard credit pull yet. We ask about your goals, income range, and the property you have in mind.
You do
- Fill out our short form
- Share your purchase goals
- Tell us your timeline
We do
- Assign a dedicated loan officer
- Do a soft credit check only
- Identify best loan programs
Worried about your credit score? We work with scores as low as 580 on FHA and have solutions for non-traditional credit histories.
We started LandHome in 1988 with one belief: that every American who wants to own a home deserves a lender who will fight for them — not just the easy files, but the hard ones too. Thirty-eight years later, that belief has not changed.
In their own words.
We believe the best testimony comes from the people we have served. These are real letters from real borrowers — not curated marketing copy.
Note from our editorial team: We receive letters from borrowers regularly. These three were selected because they represent the types of loans and borrowers we champion most — the ones other lenders often overlook.
Borrow with confidence.
Our loan officers write what they know — not generic SEO content. These guides answer the questions our borrowers ask most before they apply.
FHA vs. Conventional: Which is right for you?
The most common question first-time buyers ask. We break down credit score thresholds, mortgage insurance, down payment requirements, and which loan wins in each scenario.
7 myths about manufactured home loans
Most people believe manufactured homes can't be financed like traditional homes. Most people are wrong. We clear up every major misconception — with real program details.
Down payment assistance: The complete 2025 guide
Grants, forgivable second mortgages, and HFA programs that real buyers are using right now. Eligibility rules, income limits, and how to combine them with FHA.
100+ guides covering every loan type, borrower situation, and market condition. Written by licensed loan officers — not content mills.
Three ways to talk
to a real loan officer.
No bots. No voicemail mazes. No waiting 3 days for a callback. Choose how you prefer to start — we will meet you there.
Apply Online
Our secure online application takes about 60 seconds to start. No commitment, no hard credit pull until you choose to proceed.
Call (800) 672-9470
Speak with a licensed loan officer right now. Get real answers to your questions in minutes — no hold music, no scripts.
Book a 15-Min Call
Pick a time that works for you. We will call you at the exact time you schedule — zero wait, zero pressure.