Two big-bank lenders declined our manufactured purchase because of the foundation. LHFS quoted Title II the same day, lined up the engineer, and we closed in 47 days. The difference was specialist knowledge, not rate.
Six reasons borrowers choose us, and stay.
No marketing copy, no advertising claims, no rates-as-low-as flim-flam. Just the structural reasons LHFS is different from the typical mortgage lender — and why our borrowers tend to come back when they buy their next home.
38+yrs
In business
since 1988
50
States
licensed
100k+
Families
helped
Get StartedTell us what you're looking for
Step 01 of 04What brings you here today?
No. 01 · The differences
Six structural differences.
These are facts about how the company is built and operated, not promises or aspirations. The numbers are what they are. Tap any reason for the why-it-matters.
90%
01
We retain ~90% of our loans for servicing
Most lenders sell loans immediately and lose touch with borrowers. We keep them. When you call us about your loan five years later, we still own it. The same payment portal, the same servicer, the same company.
Why this matters: servicing transfers are the most common source of mortgage frustration — lost payments, broken escrow, conflicting payoff figures. Owning the servicing means we own the relationship after closing, not just the origination fee.
38
02
We've had the same founder for 38 years
Brad Waite founded LHFS in 1988 and still runs it. No private-equity ownership churn. No revolving CEO door. The same vision and culture from year one to year thirty-eight.
50
03
We work with ~50 loan officer partners
Selective LO network across 50 states. Every LO has the experience to do the job right, not just hit volume targets. Most have 10+ years in the industry.
Real
04
We answer our phones
Real humans, not chatbots. 800.672.9470 reaches a person. If your file is in processing or underwriting, you can talk to the actual processor or underwriter — not a generic call center.
8+
05
We do the hard loans others don't
Manufactured homes, renovation loans, VA, USDA rural, FHA Title I and II, jumbo. Specialty programs are our default, not an afterthought. Many lenders skip these; we lean in.
8
06
We're lending master servicer for 8 state HFAs
Eight state Housing Finance Agencies trust us to administer their down-payment-assistance and first-time buyer programs. Community lending isn't a checkbox — it's built into the company.
No. 02 · LHFS vs. Big-Bank Lenders
A specialty independent, not a volume factory.
Big-bank mortgage groups are optimized for the simplest 20% of borrowers and the highest-volume products. That math leaves a lot of borrowers out. Pick a category to see how the structures actually differ.
Dimension
Typical big-bank lender
LHFS
Who owns your loan after closing?
Loan is sold within 30-90 days. You'll be transferred to a third-party servicer you didn't pick.
We retain ~90% of our loans. Same company at year five as at closing.
Calling about your existing loan
Routed through call-center IVR. Reps work from a script and rarely have the file.
Direct line to a real human. 800.672.9470 reaches a person, not a phone tree.
Escrow analysis questions
Often outsourced to the new servicer's sub-vendor. Resolution can take weeks.
Handled in-house by our own servicing team.
No. 03 · In their words
What borrowers actually say.
Names abbreviated for privacy; states and program types are accurate. Each story is from a closed LHFS borrower, not a paid endorser.
I called about my mortgage four years after closing and the same person who closed it picked up. That just doesn't happen with the big banks.
As a USDA rural buyer with self-employed income, I'd been turned down twice. LHFS's LO walked me through the bank-statement option and stacked our state DPA on top. Bought our first home in 2026.
No. 04 · Recognition
Awards and recognitions.
Industry recognitions for retail volume, manufactured-housing specialty, HFA partnership, and compliance. We list the ones that reflect actual operating decisions, not pay-to-play badges.
2025
Top 100 Mortgage Lender
Scotsman Guide, by retail volume
2024
HFA Master Servicer of the Year
Internal recognition, multi-state HFA partner
2023
Manufactured Lending Excellence
Industry recognition, manufactured-housing finance
Ongoing
MICC Platinum Partner
Mortgage Industry Compliance Council
Ready to Work With LHFS?
Sixty seconds. An LO calls within an hour.
No SSN, no hard credit pull. Tell us what you're looking for, we'll match you with the right specialist.If you've been turned down or shuffled by a bigger lender, this is the call to make.
NMLS #1796·Licensed in 50 states·Equal Housing Lender
Disclosures. Statistics on this page reflect Land Home Financial Services internal operating data as of 2026 and are subject to change. The ~90% loan-retention figure is an LHFS internal observation across recent vintages and is not a guarantee that any individual loan will be retained for servicing; some loans are sold to investors as a normal part of secondary-market activity. The 38-year founder tenure reflects company history from the 1988 founding date through the current year. The ~50 loan officer partner count and 10+ years experience figure are typical/median values and individual LO experience varies. Direct telephone access to underwriters and processors is a general operating practice; during peak periods or after-hours, response timing may vary. The specialty-program list (manufactured, renovation, VA, USDA, FHA Title I/II, jumbo) reflects programs LHFS is currently approved to originate; specific program eligibility depends on borrower qualification, property eligibility, state licensing, and current investor guidelines. The HFA master-servicer relationships reflect current contracts; partnerships are subject to renewal and change over time. Borrower testimonials are from closed LHFS clients with names abbreviated for privacy; individual experience is not representative of all borrowers. Awards and recognitions reflect industry sources and internal records; specific listings are subject to verification by LHFS compliance prior to public use. Comparisons with "typical big-bank lenders" reflect general industry patterns and individual lender practices vary; this is not a claim about any specific competitor. Land Home Financial Services, Inc. NMLS #1796. 1355 Willow Way, Suite 250, Concord, CA 94520. Equal Housing Lender. Licensed in 50 states.