NMLS #14222Home/Loan Officers
Meet your specialist by name.
Our LO partners across 51 states each have their own service areas and experience. Match with the LO whose territory and background fits your file, not whoever picks up the phone.
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 · How we match you
Three minutes, then a real call.
When you submit the short application, we don't route you randomly. We match based on your loan type, your state, and your situation— pairing you with the LO whose track record fits.
01
Short application
Sixty seconds. Loan type (purchase, refi, equity, manufactured), location, basic financial info. No SSN, no hard credit pull at this stage.
02
Specialist matching
We route based on file complexity and licensing. VA loan in Texas? You get a Texas-licensed LO. Manufactured home in California? You get our manufactured-loan expert.
03
Real call within an hour
Your matched LO calls or emails within 60 minutes during business hours. Not an auto-reply — a substantive conversation about your options.
No. 02 · Browse the directory
Find your loan officer.
Search by name, city, or licensed state. Every LO listed below is licensed in the states shown and reachable directly — no call center.
State
Role
81 officers in 51 states
NMLS #14222
NMLS #1490434Jeremy Webb
Chief Operating Officer, Affordable Housing
Jeremy is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Jeremy is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Jeremy ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Jeremy values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Jeremy strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(205) 301-8969
EmailJeremy.Webb@LHFS.com
Branch328 2nd Street SW — Hamilton, AL — 35570
Licensed inAL
NMLS #695162Nick Morgan
National Director of Retail Sales
With over 25 years of experience, Nick is known for his innovative streamlining of loan processes, ensuring a smoother transaction. A forward-thinking visionary, he has mentored over 20+ individuals, guiding them into leadership roles across various companies. His exceptional leadership skills earned him recognition with a prestigious award for achieving the lowest turnover rate among 330 lending managers in the US for the largest financial institution. Nick’s exceptional ability to revitalize markets was demonstrated when he transformed one of the smallest mortgage markets in the nation into one of the highest performing. Beyond his professional pursuits, Nick is a devoted family man and an enthusiastic traveler. When he’s not actively engaged in volunteering for causes, such as the Children’s Hospital and Ronald McDonald House.
Phone(425) 697-9625
EmailNick.Morgan@LHFS.com
Branch3031/3035 S Cole Road — Boise, ID — 83709
Licensed inCA, ID, OR, WA
Branch ManagerLinkedIn
NMLS #97141Paula Reeves
President of Affordable Housing
Paula Reeves, President and co-founder of CIS Financial Services, Inc., brings over three decades of expertise in mortgage banking and a steadfast commitment to affordable housing. At Land Home Financial Services, she leads efforts to expand access to affordable housing, with a particular focus on Manufactured Housing. Paula's extensive leadership experience includes serving on the Financial Services Board of Governors for the Manufactured Housing Institute in Washington, DC, and contributing to the FHA Title reform committee, where she has driven innovative, sustainable solutions for the industry. Beyond her professional achievements, Paula is deeply committed to giving back to her community. She actively supports charitable initiatives and organizations such as Civitan International and Kiwanis, reflecting her dedication to fostering positive change. With her vision and expertise, Paula continues to make a lasting impact on the housing industry and the communities she serves.
NMLS #243580Scott Gooder
Vice President of Operations
Scott is a vice president of operations at Land Home Financial Services (NMLS #1796), licensed in 4 states. Scott works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inAZ, FL, IA, MN
NMLS #14185Tony Wicke
Executive Vice President-Retail Division
With over two decades of experience in the Banking and Financial Services sectors, Tony has seamlessly navigated diverse leadership roles, consistently fueled by his unwavering commitment to delivering exceptional client experiences. In his current capacity as Executive Vice President of Retail at Land Home Financial Services, Tony spearheads the day-to-day operations of the retail platform. Whether collaborating with the accomplished sales team or the dedicated fulfillment staff, Tony finds fulfillment in knowing that everyone he works alongside understands the tangible impact they have. Beyond the confines of the office, Tony finds solace and joy in quality time spent with his family and the great outdoors. His two sons keep him active, whether it’s scaling mountains or coaching them on the ice, ensuring there’s never a dull moment.
Phone(612) 999-2303 x2303
EmailTony.Wicke@lhfs.com
Branch7300 Hudson Blvd — Oakdale, MN — 55128
Licensed inAK, AL, AR, CA, FL, GA +26 more
NMLS #402039Craig Greenberg
Director of Community Land Trust Lending
I’ve been with Land Home Financial for over 7 years, and I truly love helping people in our communities achieve their dream of homeownership. I specialize in Fannie and Freddie loan programs, with a focus on HomePossible and HomeReady options. I primarily work with Community Land Trusts, serving low-income and manufactured home communities at or below 80% AMI. Outside of work, my kids keep me busy! My daughter is a swimmer and my son plays baseball and basketball. We’re usually at a game or meet most nights of the week.
Phone(281) 973-5540
Branch7300 Hudson Blvd — Oakdale, MN — 55128
Licensed inCA, DE, FL, GA, HI, IA +11 more
NMLS #401966Mark Franco
Director of Customer Loyalty
With over 25 years of experience in the mortgage industry, I have helped countless individuals and families navigate the home loan process with confidence. My expertise spans conventional, FHA, and VA loans, ensuring clients receive tailored financing solutions that align with their needs. I take pride in providing exceptional service, clear communication, and expert guidance from application to closing. Whether assisting first-time homebuyers or seasoned investors, my goal is to make the mortgage process seamless and stress-free.
Phone(612) 263-9424
EmailMark.Franco@LHFS.com
BranchContact us for location — Concord, CA — 94520
Licensed inAR, AZ, CA, CT, FL, IA +23 more
NMLS #147756Michelle Broaddrick
Assistant Director of Operations-Hamilton
Michelle is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Michelle is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Michelle ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Michelle values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Michelle strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #2158217Angelina Curtin
Branch Manager
Angelina is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Angelina is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Angelina ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Angelina values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Angelina strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #21334Bill Shewry
Branch Manager
With over 25 years of experience in the mortgage industry as a dedicated loan officer and manager, I bring a hands-on, personal approach to every transaction. I understand that buying a home is one of the most important decisions a person can make, and I’m committed to keeping my clients fully informed and supported from start to finish. My goal is to ease the stress, provide clear and honest guidance, and help make the dream of homeownership a reality. I'm always available—because trust, communication, and genuine care are the foundations of my service. Call me for all your real estate lending needs—I’m here to help!
Phone(925) 575-9705 x2105
EmailBill.Shewry@LHFS.com
Branch1355 Willow Way — Concord, CA — 94520
Licensed inCA
Branch ManagerLinkedIn
NMLS #142285Brian Dawson
Branch Manager
With 20 years of experience in the mortgage industry, I’ve had the honor of helping hundreds of clients purchase their first, second, and even third homes. I’m proud to be a trusted resource for entire families—guiding grandparents, parents, and children through the homebuying process. I’ve also assisted countless Veterans using their VA benefits, as well as members of local police and fire departments. Referrals from past clients remain the most rewarding part of my work, serving as a true reflection of the trust I’ve built. I’ve maintained strong relationships with many realtors—some for over a decade—working together to support buyers through every step. Outside of work, I enjoy spending time with my wife of 17 years and our four children, whose ages range from 2 to 24.
NMLS #964800Brooks Clark
Sales Manager
Brooks is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Brooks is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Brooks ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Brooks values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Brooks strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #242867Christina Perez
Branch Manager
With over 24 years in the mortgage industry, I specialize in helping first-time homebuyers-especially within the Spanish-speaking, first generation community-navigate the path to homeownership with confidence and clarity. I bring a strong background in financial services, with experience in banking, credit, loans, finance, and mortgage lending. I am passionate about helping people—whether it’s finding financial solutions or guiding them through the homebuying process. Resourceful and attentive, I focus on each client’s unique needs. I’ve found my greatest success at Land Home Financial Services, a community-based lender that shares my values. I’m proud that over 80% of my clients are first-time homebuyers. Land Home offers nearly every mortgage product, including down payment assistance, FHA, VA, HELOCs, and small commercial loans—serving 50 states. Let my experience and dedication work for you. I’d be honored to help.
Branch ManagerLinkedIn
NMLS #685885Cynthia Feike
Regional Account Manager
Cynthia is a regional account manager at Land Home Financial Services (NMLS #1796), licensed in 1 state. Cynthia works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inHI
NMLS #290526Dan Ford
NavPros Area Production Manager
Dan is a navpros area production manager at Land Home Financial Services (NMLS #1796), licensed in 6 states. Dan works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inAR, CA, FL, GA, MT, SC
NMLS #290764Dave Crofut
Branch Manager
I'm Dave Crofut, Senior Loan Officer and Branch Manager at Land Home in Cameron Park, California. With over 25 years in lending—including 13 at Land Home Financial—I’ve built a reputation for dedication, personalized service, and helping individuals and families achieve their homeownership goals. For the past 11 years, I’ve been proud to offer Manufactured Construction Financing, bringing affordable new homes to hundreds across Northern California. It’s been a rewarding addition to the many lending programs we offer at Land Home. My wife, Gina, and I recently celebrated our 23rd wedding anniversary. We’re now enjoying life as empty nesters with our two amazing kids—Dominic, a junior at the University of Arizona, and Gianna, a freshman at the University of Nevada, Reno.
Branch ManagerLinkedIn
NMLS #0Dave Towers
Loan Officer
Dave is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Dave is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Dave ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Dave values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Dave strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #132540Frank Savage
Branch Manager
Frank is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Frank is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Frank ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Frank values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Frank strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #371940Gabe Amey
Regional Manager
Gabe is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Gabe is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Gabe ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Gabe values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Gabe strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(808) 227-0299
EmailGabe.Amey@LHFS.com
Branch4819 Kilauea Ave — Honolulu, HI — 96816
Licensed inHI
NMLS #244880Geoff Miyao
Sales Manager
Geoff is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Geoff is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Geoff ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Geoff values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Geoff strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(916) 512-3203 x2003
EmailGeoff.Miyao@lhfs.com
Branch9381 E. Stockton Blvd. — Elk Grove, CA — 95624
Licensed inCA
Branch ManagerLinkedIn
NMLS #519414Jake Olson
Territory Manager
With 18 years of experience in the mortgage industry, I serve as the Territory Manager for Iowa, Missouri, and Illinois at Land Home Financial. I’m passionate about making the home financing process smooth and empowering, because a mortgage isn’t just a loan; it’s a crucial step toward achieving your long-term financial goals. My commitment goes beyond helping clients secure the right loan. I focus on building strong teams and lasting relationships through integrity, personalized service, and clear communication. Whether I’m guiding homebuyers or mentoring loan officers, I strive to deliver expert advice and innovative solutions that truly make a difference. Born and raised in Iowa, I’m proud to give back to the community that shaped me. Outside of work, you’ll find me coaching softball, running our indoor hitting facility—The Hit Shed—or spending time outdoors with my wife and two daughters. Let’s work together to turn your homeownership dreams into reality.
Phone(515) 336-6034 x6034
EmailJacob.Olson@LHFS.com
Branch6919 Vista Drive — West Des Moines, IA — 50266
Licensed inAR, AZ, CA, CO, CT, DC +26 more
NMLS #91235Jason Geisler
Regional Manager
Jason Geisler specializes in helping customers purchase, refinance, or build their home. Whether you are looking to move up into your dream home, are a first-time homebuyer, refinancing, building, or purchasing investment property, I am confident that I can help you find the best loan for your budget and financial goals. I invite you to explore my website to learn more about the variety of products and services that Land Home Financial Services offers. I always strive to communicate openly and honestly to create a positive and lasting experience with my customers. I look forward to working with you and helping you achieve your dream. To get started, contact me today.
NMLS #242755Jim Owens
Branch Manager
Jim is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Jim is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Jim ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Jim values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Jim strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(808) 792-4255
EmailJim.Owens@lhfs.com
Branch4819 Kilauea Ave — Honolulu, HI — 96816
Licensed inHI
Branch ManagerLinkedIn
NMLS #208587Joe Cuellar
Branch Manager
Joe is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Joe is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Joe ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Joe values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Joe strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(956) 789-2121
EmailJoe.Cuellar@LHFS.com
Branch6316 N 10th Street — McAllen, TX — 78504
Licensed inMN, TX
Branch ManagerLinkedIn
NMLS #1393458Karen Gomez
Loan Officer
I’ve been in the real estate and mortgage industry for over 17 years. Before becoming a Loan Officer, I worked as a paralegal for a law firm specializing in foreclosure litigation. I witnessed firsthand how unaffordable variable-rate mortgages impacted families, and I focused on negotiating with lenders to help clients modify their loans and avoid foreclosure. That experience sparked my true passion—helping families secure financing that supports long-term stability and financial growth. For the past 10 years, I’ve been committed to educating and guiding clients through the home financing process. I believe in building generational wealth through smart mortgage solutions and take pride in making the journey to homeownership clear, empowering, and personalized for every client.
Phone(408) 300-4633
EmailKaren.Gomez@lhfs.com
Branch1355 Willow Way — Concord, CA — 94520
Licensed inCA, TX
Branch ManagerLinkedIn
NMLS #261614Liz Litaea
Branch Manager
Liz is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Liz is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Liz ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Liz values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Liz strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 418-7605 x6205
Emailliz.litaea@lhfs.com
Branch3341 Walnut Blvd — Brentwood, CA — 94513
Licensed inCA
Branch ManagerLinkedIn
NMLS #277802Melanie Mayberry
Branch Manager
Melanie is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Melanie is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Melanie ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Melanie values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Melanie strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #1064027Nickie Sjogren
Branch Manager
With 15 years in the mortgage industry, I bring a passion for helping people navigate one of the most important purchases of their lives. After leaving the healthcare field, I found my purpose in guiding homebuyers—especially first-time buyers—through every step of the loan process. I take pride in answering questions, building trust, and offering exceptional service. I specialize in OTC manufactured home construction loans and love seeing my clients’ dreams come to life from start to finish. I’m committed to helping those with credit challenges improve their scores and qualify for homeownership. I also assist with refinances, whether it’s lowering a rate or using equity to consolidate debt. For me, it’s about more than just loans—it’s about relationships, trust, and creating lifelong value.
NMLS #372272Pamala Craveiro
Branch Manager
With over 22 years of experience in Las Vegas, Henderson, and California, I’m proud to serve as Branch Manager and Loan Originator at Land Home Financial Services. I specialize in VA, FHA, Conventional, and Down Payment Assistance loans. As a Las Vegas native, I understand the unique challenges of our service-driven economy—including tip income—and have helped clients build equity through all types of markets. I’m honored to support military families at Nellis and Creech AFB and value the long-term relationships I’ve built, now serving the next generation of homebuyers. Married since 2002 with two amazing kids (including a proud UNLV Rebel!), I enjoy yoga, hiking, reading, and cheering on the Golden Knights and Raiders—all while staying rooted in the community I love.
NMLS #249712Phillip Hinojoza
Branch Manager
A proud graduate of the University of California, Davis, and a seasoned mortgage professional, I bring nearly 30 years of experience helping families achieve the dream of homeownership. Since 1999, I’ve specialized in creating tailored financing solutions—from VA, FHA, USDA, and Jumbo loans to Conventional, Non-QM products, HELOCs, and down payment assistance programs. My goal is to offer flexible funding options that align with each client’s unique needs and long-term goals. Passionate about what I do, I believe success comes from working with the best. That’s why my team and I are committed to providing personalized, consistent, and exceptional service. Whether you're a first-time buyer or a seasoned investor, we’re here to help you succeed. Outside of work, I love vacationing in Hawaii with my wife and kids, cheering on the Sacramento Kings, and spending weekends on the golf course with family and friends.
Branch ManagerLinkedIn
NMLS #70140Tom Buron
Loan Officer
Tom is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Tom is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Tom ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Tom values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Tom strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(480) 223-4414
EmailTom.Buron@LHFS.com
Branch23131 N Lake Pleasant Pkwy — Peoria, AZ — 85383
Licensed inAZ
Branch ManagerLinkedIn
NMLS #404747Wade Ferguson
Branch Manager
Wade is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Wade is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Wade ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Wade values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Wade strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Branch ManagerLinkedIn
NMLS #1007065Angela Warren
Loan Officer
Angela is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Angela is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Angela ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Angela values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Angela strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #2016481Ashley Robinson
Loan Officer
Ashley is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Ashley is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Ashley ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Ashley values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Ashley strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #1881984Bryson Waite
Loan Officer
As a licensed Loan Officer in 25 states, I’m dedicated to making homeownership possible—especially for first-time buyers and those in need of down payment assistance. With years of experience in the mortgage industry, I know that no two borrowers are the same. That’s why I take a personalized approach, offering tailored solutions to fit your unique financial goals—whether you're buying your first home, refinancing, or exploring other loan options. My goal is simple: to make the mortgage process easy to understand and stress-free from start to finish. Let’s connect and turn your homeownership dreams into reality.
Phone(925) 246-2370
Branch7300 Hudson Blvd — Oakdale, MN — 55128
Licensed inAR, AZ, CA, CO, CT, DC +19 more
NMLS #294122Christina Hinojoza
Loan Officer
Born and raised in Sacramento, I’ve always felt a strong connection to this community. After earning my bachelor’s degree in Finance from Sacramento State, I began my journey in the mortgage industry in 2004. With nearly two decades of experience, I specialize in helping first-time homebuyers navigate the path to homeownership with clarity and confidence. My passion lies in creating personalized lending strategies that empower individuals and families to achieve their dreams. I take pride in making the loan process as smooth, stress-free, and educational as possible—ensuring every client feels supported and informed every step of the way. When I’m not helping families find their perfect home, you’ll find me remodeling houses, vacationing in Hawaii with my family, or enjoying a relaxing glass of wine. As a proud mother of three, I understand how important it is to find not just a house, but a home. Let’s turn your homeownership goals into reality—together.
NMLS #2686866Claudia Jaramillo
Loan Officer
Claudia is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Claudia is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Claudia ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Claudia values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Claudia strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #2136197Clifford Lacayo
Loan Officer
As a dedicated loan officer, I prioritize building trust and long-lasting relationships with my clients. With a deep understanding of the lending process and a commitment to clear communication, I guide individuals and families through their financial journey with integrity and transparency. Whether it's securing a mortgage for a new home or refinancing an existing loan, I ensure my clients feel informed and confident in their decisions.
Phone(515) 514-1061
BranchContact us for location — Concord, CA — 94520
Licensed inAL, AR, AZ, CA, CO, FL +16 more
NMLS #323443David Bizousky
Loan Officer
David is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. David works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inCA
NMLS #246365David Brauchler
Loan Officer
I’ve been a Loan Officer since 1997 and proudly part of the Land Home Financial Services team since 2009. I genuinely enjoy helping people solve problems and achieve the dream of homeownership. While I love working with numbers, I understand that many clients don’t—so I focus on simplifying the process and helping them feel confident in their decisions. I’m licensed in California and Arizona and have specialized in Manufactured Home financing since 1999. Most of the loans I close today are for new construction of manufactured and modular homes. I offer loan programs many lenders don’t, including new construction with lot purchase, chattel or home-only financing, retrofitting permanent foundation systems, and replacement of older manufactured homes. I’m committed to helping clients find the best possible solution for their needs.
NMLS #16732Dennis Brunelle
Loan Officer
I’m Dennis Brunelle, a Senior Loan Officer dedicated to helping families rebuild, recover, and move forward with confidence. Having worked closely with communities impacted by wildfires, I understand how overwhelming the rebuilding process can feel. I guide homeowners through specialized lending options with clarity, patience, and genuine care, making sure they never have to navigate the journey alone. I also bring strong expertise in Accessory Dwelling Unit (ADU) financing, helping clients create more space, generate rental income, or build housing solutions for loved ones. Whether someone is starting over after a fire or planning an ADU to strengthen their future, I take the time to understand their goals and craft a plan that truly supports them. I’m proud to serve my community with integrity, knowledge, and heart.
NMLS #508753Derek Harjes
Loan Officer
With over 18 years of expertise in mortgage loan origination, I have a proven track record of success. Recognized as the consistent top performer for Land Home Financial Services’ elite President’s Club from 2019 to 2023, and earning the distinction of being one of the Top 10 Preferred Lenders in the State for the Iowa Finance Authority, I take pride in building trust and transparency with both the agents I work with and the customers I service. Having a background in Mathematics and Analytics, I approach challenges with a distinct viewpoint. I thrive on finding creative cost-saving solutions for every customer’s unique situation. My commitment to excellence allows me to approach everything with a fresh perspective and out-of-the-box thinking. Let’s set up some time to talk. I’m dedicated to winning you and your customers over with hard work, tailored attention to individual needs, and an easy approach. I make the loan process fun!
Phone(515) 336-6035 x6035
Branch6919 Vista Drive — West Des Moines, IA — 50266
Licensed inIA, IL, MN, MO
NMLS #213612Ernest Jenkins
Loan Officer
Ernest is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Ernest is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Ernest ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Ernest values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Ernest strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #2309295Evan Burks
Chattel Loan Officer
Evan is a chattel loan officer at Land Home Financial Services (NMLS #1796), licensed in 26 states. Evan works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inAL, AR, AZ, CO, FL, GA +20 more
NMLS #1210960Garry Alcantara
Loan Officer
Garry is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. Garry works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inCA
NMLS #1871350Jason Beards
Loan Officer
Jason is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. Jason works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inFL
NMLS #1867079Jesus Suarez
Loan Officer
Jesus is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 2 states. Jesus works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inFL, TX
NMLS #293320Jim McGill
Loan Officer
After graduating from UC Berkeley in 1988, I began my career in mortgage lending and have never looked back. With over three decades of experience, I’ve successfully closed more than 2,000 home purchase, refinance, and equity loan transactions for clients and realtor partners alike. Known for my analytical approach, attention to detail, and personable service, I’m dedicated to making the lending process as smooth and straightforward as possible. Whether you're a first-time buyer, seasoned homeowner, or real estate professional seeking a trusted lending partner, I’m here to help. I welcome the opportunity to assist you, your clients, friends, or family with their home financing needs.
Phone(925) 272-4918
EmailJim.McGill@LHFS.com
Branch1875 Olympic Blvd — Walnut Creek, CA — 94596
Licensed inCA
NMLS #8157Joe Davidson
Loan Officer
With over 20 years of experience as a mortgage loan officer, I’ve had the privilege of helping countless clients achieve the dream of homeownership. I specialize in residential financing, including FHA, VA, jumbo, and conventional loans, and am known for delivering personalized solutions backed by deep industry knowledge. Since beginning my career in 2003, I’ve built strong, lasting relationships by prioritizing trust, transparency, and clear communication. Whether working with first-time homebuyers, investors, or clients seeking to refinance, I guide each borrower through the process with care and clarity. Outside of work, I enjoy investing in real estate, traveling, spending time with my wife and grandchildren, and hanging out with our dog, Lois. If you’re looking for a trusted mortgage professional, I’m here and ready to help turn your goals into reality.
NMLS #290735Joy Widle
Loan Officer
Joy is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Joy is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Joy ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Joy values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Joy strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(951) 699-1132
EmailJoy.Widle@LHFS.com
Branch3621 S Harbor Blvd — Santa Ana, CA — 92704
Licensed inCA
NMLS #2568162Justin Green
Loan Officer
Justin is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Justin is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Justin ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Justin values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Justin strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #242728Kim O'Neil
Loan Officer
Kim is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Kim is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Kim ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Kim values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Kim strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 575-9709 x2109
EmailKim.ONeil@lhfs.com
Branch1355 Willow Way — Concord, CA — 94520
Licensed inAZ, CA, OR
NMLS #208609Laura Garza
Loan Officer
Laura is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Laura is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Laura ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Laura values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Laura strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(956) 267-4140
EmailLaura.Garza@LHFS.com
Branch6316 N 10th Street — McAllen, TX — 78504
Licensed inMN, TX
NMLS #2052094Leonardo Caruso
Loan Officer
Leonardo Caruso is a licensed mortgage loan officer specializing in DSCR and Non-QM financing solutions for real estate investors, self-employed borrowers, and clients with complex income scenarios. Since beginning his mortgage career in 2005, Leonardo has built a reputation for delivering creative lending strategies, exceptional communication, and personalized service. A graduate of the USC Marshall School of Business with a degree in Finance, he combines strong financial expertise with nearly two decades of real-world industry experience. Leonardo is proud to represent Land Home Financial Services, a direct lender established in 1988 with an A+ BBB rating and a strong reputation for client satisfaction. His mission is simple: help clients secure smart financing solutions while making the mortgage process smooth, transparent, and stress-free.
NMLS #2381159Lily Gill
Loan Officer
Lily is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Lily is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Lily ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Lily values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Lily strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 418-7604
EmailLily.Gill@LHFS.com
Branch3341 Walnut Blvd — Brentwood, CA — 94513
Licensed inCA
NMLS #1142990Maria Jimenez
Loan Officer
Maria is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Maria is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Maria ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Maria values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Maria strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #2004195Marina Morgan
Loan Officer
Marina is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Marina is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Marina ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Marina values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Marina strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #506018Mark Eischeid
Loan Officer
Mark is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Mark is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Mark ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Mark values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Mark strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #1411790Michael Richardson
Loan Officer
Michael is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Michael is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Michael ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Michael values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Michael strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #400602Nathan Oberst
Loan Officer
Nathan is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Nathan is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Nathan ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Nathan values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Nathan strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(612) 999-2301
EmailNate.Oberst@LHFS.com
BranchContact us for location
Licensed inAL, AR, CA, FL, LA, MN +5 more
NMLS #227325Ozzie Gonzalez
Loan Officer
Ozzie is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 4 states. Ozzie works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inAZ, FL, IL, IN
NMLS #2456987Renee Sandoval
Loan Officer
Renee is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Renee is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Renee ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Renee values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Renee strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #252865Retta Wilson
Loan Officer
Retta is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Retta is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Retta ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Retta values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Retta strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #242815Richmond Chester
Loan Officer
I've been with Land Home Financial since 1998, focusing primarily on construction financing for manufactured and modular homes. Construction loans make up about 90% of my business. I’m also proud to have earned a spot in Land Home Financial’s President’s Club every year since 2018. Outside of work, I enjoy traveling, wine tasting in Napa, reading, exercising, and spending time with my daughter. I’ve also been active in volleyball leagues and tournaments for over 20 years. I’m a competitive person who strives for excellence in everything I do—especially when it comes to delivering top-notch service to my borrowers and clients.
NMLS #253384Robert Wightman
Loan Officer
Robert is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Robert is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Robert ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Robert values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Robert strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #1972715Rosa Leyva
Loan Officer
Rosa is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Rosa is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Rosa ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Rosa values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Rosa strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(408) 404-4005
EmailRosa.Leyva@LHFS.com
Branch98 W 2nd Street — Morgan Hill, CA — 95037
Licensed inCA
NMLS #286862Roya Nadji
Loan Officer
I’ve been in the mortgage industry as a Loan Officer and Certified Mortgage Planning Specialist since 1998. With a background in marketing and a bachelor’s degree in Business Administration, I bring a well-rounded perspective and specialize in complex transactions that require creative solutions. I’m passionate about what I do, and I’m proud that much of my business comes from repeat clients and their referrals. My reputation is built on service, integrity, and in-depth lending knowledge. My mission is to make the loan process simple, stress-free, and tailored to each client’s unique needs. Whether you’re a first-time buyer, upgrading your home, investing in real estate, or refinancing, I’m here to help you achieve your goals. I look forward to being part of your journey.
Phone(925) 239-2018 x5218
EmailRoya.Nadji@LHFS.com
Branch1875 Olympic Blvd — Walnut Creek, CA — 94596
Licensed inCA
NMLS #1166913Ryan Mylin
Loan Officer
Ryan is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Ryan is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Ryan ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Ryan values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Ryan strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 676-8572
EmailRyan.Mylin@LHFS.com
Branch1875 Olympic Blvd — Walnut Creek, CA — 94596
Licensed inCA
NMLS #1385202Sandra Martinez
Loan Officer
Sandra is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Sandra is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Sandra ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Sandra values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Sandra strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #242798Sarah Tam
Loan Officer
Sarah is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Sarah is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Sarah ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Sarah values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Sarah strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(916) 436-3676
EmailSarah.Tam@LHFS.com
Branch9381 E. Stockton Blvd. — Elk Grove, CA — 95624
Licensed inCA
NMLS #404592Steve Miller
Loan Officer
Steve is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Steve is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Steve ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Steve values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Steve strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #1850798Sylvia Alvarez
Loan Officer
Sylvia is a loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. Sylvia works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inFL
NMLS #1385784Tammy Tran
Loan Officer
Tammy is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Tammy is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Tammy ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Tammy values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Tammy strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(707) 385-0635 x2835
EmailTammy.Tran@lhfs.com
Branch3341 Walnut Blvd — Brentwood, CA — 94513
Licensed inCA
NMLS #1805307Tania Betancourt
Loan Officer
Tania is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Tania is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Tania ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Tania values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Tania strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
NMLS #1009944Tara Lynn Combs
Loan Officer
Tara is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Tara is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Tara ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Tara values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Tara strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 885-6609
EmailTara.Combs@LHFS.com
Branch1875 Olympic Blvd — Walnut Creek, CA — 94596
Licensed inCA
NMLS #2768223Tom Lucini
Loan Officer
Tom is a seasoned loan expert with years of experience in the financial services industry. Specializing in first time homebuyer loans, refinancing, and more, Tom is dedicated to helping clients navigate the complexities of borrowing with ease and confidence. Known for their attention to detail and personalized service, Tom ensures clients receive expert guidance from application to closing. With a strong commitment to building long-term relationships, Tom values transparency and trust, ensuring that clients are fully informed and comfortable throughout the process. As a trusted advisor in the loan industry, Tom strives to make each client's financial journey smooth and successful, providing tailored solutions that meet individual needs and goals.
Phone(925) 644-1227
EmailTom.Lucini@LHFS.com
Branch1875 Olympic Blvd — Walnut Creek, CA — 94596
Licensed inCA
NMLS #1657351Jennie Davis
Junior Loan Officer
Jennie is a junior loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. Jennie works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inCA
NMLS #1865426Kyla Harjes
Junior Loan Officer
I am a Junior Loan Officer and Mortgage Loan Assistant with a strong background in mortgage processing, quality assurance, and customer service. With over 24 years of experience working with people, I bring a keen attention to detail, strong problem-solving skills, and a passion for helping others succeed. My strengths include corporate training, policy improvement, and ensuring operations run smoothly behind the scenes. I take pride in supporting both clients and team members through every stage of the mortgage process. What drives me most is making home financing easier and more understandable for each client. I believe everyone deserves to feel informed and confident when buying a home—and I’m committed to delivering the clarity and support needed to make that happen.
Phone(515) 348-4053
EmailKyla.Harjes@LHFS.com
Branch6919 Vista Drive — West Des Moines, IA — 50266
Licensed inIA
NMLS #2032361Lisa Scott
Loan Officer Assistant
With over a decade of experience in the mortgage industry and an additional eight years as a real estate agent, I bring a comprehensive understanding of the homebuying process from start to finish. My passion has always been centered on helping individuals and families achieve their dream of homeownership. As part of a community-based organization, I am dedicated to building lasting relationships with clients, offering personalized support both before and after the transaction. Our commitment extends beyond closing—we are here as a trusted resource every step of the way.
Phone(443) 334-6417
EmailLisa.Scott@LHFS.com
Branch145 West Ostend Street — Baltimore, MD — 21230
Licensed inDC, MD, VA
NMLS #331916Scott Kopko
Junior Loan Officer
Scott is a junior loan officer at Land Home Financial Services (NMLS #1796), licensed in 1 state. Scott works directly with borrowers from the first conversation through closing — no call center, no hand-offs.
Licensed inFL
No. 03 · Keep going
Learn more about us.
The LO network is one piece. Here's how the rest of the company is built — the team, the branches, and the loan-fit tool that does the matching.
Our team
The leadership team
The people behind the LO network — how decisions get made and why our underwriting model is different.
Meet the teamLocations
Branch locations
Local offices across the country — meet your LO in person if that’s how you prefer to work.
Find a branchCoverage
Where we lend
State-by-state breakdown of programs, limits, and licensing.
See the mapMatch yourself
Find your loan fit
Three minutes of questions, a clear shortlist of programs that match your income, credit, and goals.
Start the matchReady to Be Matched?
Sixty seconds. An LO calls within an hour.
Tell us your loan type, location, and basic situation. We'll match you with the right specialist.
NMLS #1796·Licensed in 51 states·Equal Housing Lender
Disclosures. Loan officers listed on this page are licensed individuals affiliated with Land Home Financial Services, Inc. (NMLS #1796). Each LO's individual NMLS unique identifier is shown on their card; consumers may verify any LO's license history through the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access portal. Licensed-state listings reflect the states in which each LO is currently authorized to originate residential mortgage loans; state-by-state authority is subject to renewal, change, and additional licensing requirements that may apply for specific loan types or property locations. All loan applications are subject to credit approval, underwriting, appraisal, property eligibility, and program-specific guidelines including but not limited to FHA, VA, USDA, Fannie Mae, Freddie Mac, and lender overlays which may impose stricter requirements than agency baselines. Rates, fees, terms, and program availability vary daily and depend on borrower credit profile, income, debt-to-income, loan-to-value, occupancy, property type, and current market conditions. Equal Housing Lender.