Since 1988, we’ve helped people like you become homeowners.
FHA, VA, USDA, Conventional, Manufactured, Renovation & specialty loans. Real loan officers. Real support. No junk fees. Licensed in 49 states.
since 1988
licensed
referred clients
annually
Serving families for 38+ years
Licensed nationwide
Clients who come back and refer friends
Master servicer in 8 state programs
Find your path
to homeownership.
From first-time buyers to seasoned investors, from FHA to manufactured homes — we have a loan for every situation and a loan officer who has seen it before.
FHA, Conventional, VA & USDA purchase loans from a lender who has been doing this since 1988.
Rate-and-term or cash-out refinance options with no junk fees and real loan officers.
One of the few lenders still actively financing manufactured and mobile homes. FHA, VA & conventional.
FHA 203(k) and conventional renovation loans wrap purchase and repair costs into one mortgage.
Use your home's equity for home improvements, debt consolidation, or major expenses.
FHA-insured HECM loans that let seniors access home equity without a monthly payment.
Down payment assistance, HFA programs, and grant options for buyers entering the market.
Construction-to-permanent loans that convert at closing — one loan, one closing, one lender.
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.
Rates shown are for illustrative purposes only. Your rate will vary based on credit score, loan type, and property. Not a commitment to lend.