NMLS #1796 + full state licenses.
Mortgage lending is regulated at both federal and state levels. Each state requires its own license, with its own renewal cycle, examination authority, and disclosure requirements. Below: our complete licensing footprint and the regulatory disclosures we are required to make.
What brings you here today?
NMLS #1796.
The Nationwide Multistate Licensing System is the federal registry of record for residential mortgage lenders and originators. Every license we hold — company-level and individual MLO — is searchable here, including action history, branch addresses, and renewal status.
Concord, CA 94520
Active in 50 states + DC.
Each state license is verified annually and renewed through NMLS. State-specific license numbers, regulator contact information, and any state-required disclosures are summarized below. For canonical record verification, search company NMLS #1796 at nmlsconsumeraccess.org.
License renewal & verification. All state licenses are renewed annually through NMLS. The list above reflects current company-level licensing. Individual loan officer (MLO) licenses are state-specific and must be held in every state where the LO originates loans— a Texas LO who works on a California file requires both a TX and a CA MLO license.
Complaints & regulator contact. If you have a concern about Land Home Financial Services or any of our licensed MLOs, you may contact the regulator listed for your state, file a complaint through NMLS Consumer Access, or contact the federal Consumer Financial Protection Bureau at consumerfinance.gov.
Federal & state disclosures.
The disclosures below are required by federal regulation, state statute, or both. They are summarized here in plain language. Full statutory and contractual language is provided in your loan documents at application and at closing.
Equal Housing Lender
Land Home Financial Services, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, national origin, religion, sex, disability, familial status, age, marital status, or receipt of income from public assistance. Our pricing, underwriting, and program eligibility apply uniformly to all qualified borrowers.
California Department of Financial Protection and Innovation
Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4150086. Loans made or arranged pursuant to a California Residential Mortgage Lending Act license. The DFPI may be reached at 1-866-275-2677.
Texas Consumer Complaint Notice
For Texas borrowers: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705.
Complaint forms and instructions may be obtained from the department's website at sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
Privacy Notice (Gramm-Leach-Bliley Act)
Land Home Financial Services collects and uses non-public personal information consistent with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws. Our full Privacy Notice describes the categories of information we collect, how we use it, the parties with whom we share it, and your right to opt out where applicable. A copy is provided at application and is available on request from compliance@lhfs.com.
Servicing Transfer Disclosure (RESPA)
Approximately 90% of LHFS-originated loans are retained for in-house servicing. The remaining 10% transferred to other servicers receive a standard RESPA-compliant Notice of Servicing Transfer at least 15 days before the effective date of transfer, in accordance with the federal Real Estate Settlement Procedures Act (12 USC §2605).
Affiliated Business Arrangement Disclosure
From time to time, Land Home Financial Services may refer borrowers to an affiliated title, escrow, or settlement service provider. Where any such referral involves an affiliated business arrangement, a written Affiliated Business Arrangement Disclosure Statement meeting the requirements of RESPA §8(c)(4) will be provided at or before the time of referral. You are not required to use any provider we refer.
Loan Estimate & Closing Disclosure (Regulation Z / TRID)
Borrowers will receive a Loan Estimate within three business days of formal application and a Closing Disclosure at least three business days before consummation, in accordance with the TILA-RESPA Integrated Disclosure rule (12 CFR §1026.19(e) and (f)). Both documents itemize rate, fees, monthly payment, and cash to close.
Right to Receive a Copy of Your Appraisal (ECOA)
Under the Equal Credit Opportunity Act, applicants for a first-lien dwelling-secured loan have the right to receive a free copy of all appraisals and other written valuations developed in connection with the application, promptly upon completion and no later than three business days before closing.
NMLS Consumer Access
For licensing information, including state-by-state license numbers, complaint history, and registered MLOs, visit the NMLS Consumer Access public registry at www.nmlsconsumeraccess.org and search by company NMLS ID #1796 or by individual MLO NMLS ID.
This page is informational only and is not a substitute for the binding disclosures provided in connection with a specific loan application. For specific regulatory questions, consult your state's mortgage regulator or the federal CFPB at consumerfinance.gov.
Email compliance@lhfs.com.
For state-specific license verification, regulator contacts, MLO confirmations, or any disclosure inquiry. We respond within one business day. Or start a sixty-second short application — no SSN, no hard credit pull.