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Find a local LHFS office.

LHFS operates a hybrid model: centralized headquarters in Concord, California with regional branches and remote LOs across 50 states. Most loans are originated by your matched LO — no branch visit required — but for borrowers who prefer in-person, we have offices in major markets.

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38+yrs

In business since 1988

States licensed

100k+

Families helped

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Step 01 of 04

What brings you here today?

No. 01 · Headquarters

Concord, California.

Corporate HQ

Land Home Financial Services, Inc.

1355 Willow Way, Suite 250

Concord, CA 94520

Phone: 800.672.9470

NMLS ID: 1796

No. 02 · Regional offices

Regional presence.

Branch offices in major markets where in-person service is helpful. Most borrowers never visit a branch— everything is handled remotely with their matched LO — but offices are available for those who prefer face-to-face.

28 markets total

West

San Francisco Bay AreaCA
Los AngelesCA
San DiegoCA
SacramentoCA
PortlandOR
SeattleWA
PhoenixAZ
Las VegasNV

South

HoustonTX
Dallas-Fort WorthTX
AustinTX
San AntonioTX
AtlantaGA
CharlotteNC
RaleighNC
TampaFL
OrlandoFL

Midwest

ChicagoIL
MinneapolisMN
IndianapolisIN
ColumbusOH
DetroitMI
Kansas CityMO

East

BostonMA
PhiladelphiaPA
Washington DCDC
PittsburghPA
RichmondVA

City list reflects markets where LHFS maintains regional presence. Specific branch addresses, on-site hours, and local loan officer assignments are confirmed by your matched LO once you start an application.

No. 03 · How service actually works

A branch is optional, not required.

Even when a branch is around the corner, the bulk of the work — document upload, e-signing, appraisal coordination, and loan structuring — happens through your secure portal and a direct line to your loan officer. Where you are doesn't change what we can do.

Get matched

Find your loan officer

Browse the LO directory or get matched by program. Each LO carries their NMLS, state licenses, and specialty list on a public profile.

See loan officers

Licensing

Where we lend

A state-by-state map of where LHFS is licensed to originate — 50 states, with the one exclusion called out plainly.

See licensing map

Who we are

Why LHFS

Direct lender since 1988, NMLS #1796. The short version of who underwrites your file and why that matters at closing.

Read the case

Don't Need a Branch?

Most borrowers don't. Apply remotely.

Sixty-second short app, no SSN, no hard credit pull. Your matched LO handles everything by phone, email, and secure portal.

Or call 800.672.9470

NMLS #1796·Licensed in 50 states·Equal Housing Lender

Disclosures. Branch and regional office information on this page is provided for general orientation. Specific branch addresses, on-site hours, walk-in availability, and assigned loan officers vary by location and may change without notice; the only authoritative source for a given borrower is the loan officer or branch confirmed during application. Land Home Financial Services, Inc. operates as a centralized direct lender headquartered at 1355 Willow Way, Suite 250, Concord, CA 94520, with regional offices in select markets and remote loan officers across the country. Most loans are originated remotely — document collection, e-signing, appraisal coordination, and closing scheduling occur through secure online portals and direct contact with the assigned loan officer regardless of the borrower's proximity to a branch. Licensing. LHFS is licensed to originate residential mortgage loans in 50 states; New York is excluded. State-specific licensing details, complaint procedures, and regulator contact information are available on request and on the company's NMLS Consumer Access record. NMLS #1796. Equal Housing Lender. All loans are subject to credit, income, asset, property, and program qualification; rates, fees, terms, and program availability are subject to change without notice and may differ by state, occupancy, property type, and loan purpose.