Accessibility at LandHome
We are committed to making homeownership — and the loan process behind it — accessible to every borrower, regardless of ability or assistive technology used. This page describes the standards we follow, the steps we have taken, and how to reach us if something is not working for you.
What brings you here today?
Built to WCAG 2.2 AA.
Land Home Financial Services, Inc. is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards to our website, online application, and borrower portal.
WCAG 2.2 Level AA
We design, build, and audit against the Web Content Accessibility Guidelines 2.2, Level AA— the standard published by the World Wide Web Consortium and recognized by U.S. courts as the benchmark for digital accessibility.
ADA Title III
We treat our website as a place of public accommodation under Title III of the Americans with Disabilities Act, and we provide alternative means of access where any digital barrier is identified.
Section 508
Our public-facing borrower tools follow the principles of Section 508 of the Rehabilitation Act, ensuring federal accessibility standards inform our procurement, vendor selection, and content authoring.
Where we actually stand.
The Web Content Accessibility Guidelines define three conformance levels: A, AA and AAA. Land Home Financial Services’ website is partially conformant with WCAG 2.2 Level AA. “Partially conformant” means that most of the content meets the standard, and that the exceptions we are aware of are listed openly below rather than left for you to discover.
Level AAA success criteria are additionally applied where practical, including enhanced text contrast, visible focus appearance, consistent help, and honouring reduced-motion preferences.
Scope: all public marketing pages, the mortgage calculators, the short application, the pre-qualification form, and the appointment booking flow.
How we evaluated it
- Automated testing. Every public route is scanned with the axe-core rule set against WCAG 2.2 A, AA and AAA, at both desktop and mobile viewports, as part of our release process.
- Manual code review. Shared components — navigation, forms, calculators, the booking calendar — are reviewed by hand for semantics, focus management and keyboard operability, because automated tools detect only a portion of real barriers.
- Keyboard-only walkthroughs. Primary borrower journeys are completed without a mouse to confirm reachable controls, logical focus order, visible focus, and no keyboard traps.
- Contrast measurement. Foreground and background pairs are measured programmatically rather than estimated by eye, including cases where a parent element’s opacity changes the effective colour.
Known limitations
We would rather name these than imply they do not exist. As of the date above:
- Assistive-technology coverage is still expanding. Our primary borrower flows are verified for screen-reader compatibility, but we have not yet completed a full NVDA, JAWS and VoiceOver pass across every one of our pages. That work is in progress.
- PDF disclosures. Some loan documents and archived disclosures are distributed as PDFs that are not yet fully tagged for screen readers. An accessible alternative is available on request at no cost — see Reasonable accommodations below.
- Third-party embedded content. Rate feeds, mapping, and certain vendor-hosted tools are outside our direct control; where a barrier is identified we provide an equivalent path by phone or email.
- Sign language. Video content, where present, is captioned. Sign-language interpretation is a WCAG Level AAA criterion that we do not currently provide, but we will arrange an interpreter for a loan signing on request.
If you encounter a barrier that is not listed here, it is a gap in our testing rather than an accepted limitation — please report it using the details further down this page and we will treat it as a defect.
Specific steps taken.
Accessibility is an engineering practice, not a checkbox. The list below reflects current implementation across our marketing site, secure borrower portal, and disclosure delivery system.
- Semantic HTML. Pages are structured with proper headings, landmarks, lists, and form labels so that screen readers and other assistive technologies can interpret content correctly.
- Full keyboard navigation. Every interactive element — menus, forms, modals, the loan application — can be operated without a mouse, with a logical tab order.
- Screen-reader compatibility. Built and reviewed for NVDA, JAWS, and VoiceOver on desktop and mobile, with our primary borrower flows verified. ARIA attributes are used only where native semantics are insufficient. See Known limitations above for the current state of full-site assistive-technology testing.
- Color contrast. Text and meaningful UI elements meet or exceed the 4.5:1 contrast ratio required by WCAG 2.2 AA for body copy, and 3:1 for large text and graphical components.
- Alternative text for images. Informational images carry descriptive alt text; decorative images are marked so they do not interrupt screen-reader flow.
- Visible focus indicators. Focused elements display a clear, persistent visual indicator that meets contrast and minimum-size requirements.
- Captioned and transcribed media. Video content includes captions; audio content is paired with a written transcript.
- Adjustable text size. Pages reflow cleanly when text is enlarged up to 200% in the browser, without loss of content or functionality.
- Form error handling. Application and contact forms identify errors in text (not color alone), associate them with the relevant field, and provide guidance for correction.
- No reliance on motion or sensory cues. Instructions never depend solely on shape, color, sound, or visual orientation.
Audited, tested, retrained.
Standards evolve. So do browsers, screen readers, and the assistive technologies our borrowers rely on. We treat accessibility as a continuous program rather than a one-time launch task.
- Regular automated and manual audits. We run automated scans against every release and conduct full manual audits at least annually, including assistive-technology walkthroughs of high-traffic flows such as the application, rate quote, and document upload.
- User testing with people with disabilities. We engage testers who use screen readers, switch devices, and voice-control software to validate real-world usability — not just specification compliance.
- Staff training. Designers, engineers, and content authors receive periodic accessibility training. Loan officers and processors are trained on alternative-format request handling.
- Vendor accountability. Third-party platforms used in the loan process are evaluated for accessibility before procurement and reviewed at renewal.
Documents in the format you need.
Loan documents and federal disclosures contain information you must be able to read and understand before you sign. If our standard digital or printed format is not accessible to you, we will provide an alternative at no cost.
Available alternative formats for loan documents, disclosures, and borrower correspondence include:
- Braille. Embossed transcription of disclosure documents, the Loan Estimate, and the Closing Disclosure.
- Large print. Documents reformatted in 18-point or larger type, with high-contrast layout.
- Audio. Recorded readings of disclosures and contractual documents, delivered as accessible audio files.
- Reader or translator assistance. Where appropriate, we will arrange for a qualified reader or for translation into your primary language during a documented loan signing.
- Accessible electronic formats. Tagged PDFs, plain-text versions, and HTML formatted for screen-reader compatibility.
How to request
Call our reasonable-accommodation request line at (800) 672-9470, email accessibility@lhfs.com, or notify your loan officer directly. Requests submitted at or before application allow us to deliver disclosures in your preferred format from the start of the file.
TTY users may reach us through the federal relay service by dialing 711.
Requesting an accommodation will not delay, disadvantage, or otherwise affect your loan application, pricing, or eligibility in any way.
Fair lending. Without exception.
Accessibility is one expression of a broader commitment: every qualified borrower deserves the same access to credit, the same level of service, and the same product set.
Land Home Financial Services complies fully with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA). We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), familial status, disability, sexual orientation, gender identity, source of income, or because all or part of the applicant's income derives from any public assistance program.
Pricing, underwriting standards, and program eligibility are applied uniformly. If you believe you have experienced discrimination in connection with a credit transaction, you may file a complaint with the Consumer Financial Protection Bureau, the U.S. Department of Housing and Urban Development, or your state regulator. Contact information for each of these agencies is provided in your application disclosures.
Land Home Financial Services, Inc. is an Equal Housing Lender.
Linked sites, different standards.
Our website may link to or embed content hosted by other organizations — regulators, government agencies, credit bureaus, payment processors, and educational resources.
We do not control the accessibility of third-party websites or services. Although we choose vendors and reference sources that we believe meet reasonable accessibility standards, we cannot guarantee that linked content conforms to WCAG 2.2 AA at all times. If you encounter a barrier on a third-party site reached through a link from ours, we encourage you to contact that site's operator directly— and to let us know, so we can evaluate the link and provide an accessible alternative if one exists.
Tell us what is not working.
If any page, form, or document on this site is not accessible to you, please tell us. Specific feedback — the page URL, the assistive technology you are using, and the action you were trying to take — helps us reproduce, prioritize, and fix the issue.
You can reach our accessibility team by phone, email, or relay service. We treat accessibility reports as a priority queue, distinct from general feedback, and route them to engineering and compliance for direct resolution.
We will confirm receipt of your accessibility report and assign a tracking reference within five business days of submission.
You will receive a written description of the issue, the planned remediation, and an estimated timeframe — or an immediate alternative if the fix requires a longer engineering cycle.
Escalation
If you are not satisfied with the response from our accessibility team, you may escalate by writing to our Compliance Department at compliance@lhfs.com or by calling (800) 672-9470 and requesting the Compliance Officer. Escalated reports receive a written response within ten business days.
Reach the accessibility team.
For accessibility questions, accommodation requests, or to report a barrier, use any of the channels below. You will reach the same team regardless of which channel you choose.
Land Home Financial Services, Inc.
1355 Willow Way, Suite 250
Concord, CA 94520
For general inquiries, see Contact. For licensing and required disclosures, see Licenses & Disclosures.