Letter 01
Dear Dave,
Very great guy !
With gratitude,
Brent
Dave Crofut
Dave Crofut.
Branch Manager · 3 states licensed · 9 client reviews
TitleBranch Manager
OfficeCameron Park, CA
Licensed inCA · NV · OR
Photo
NMLS ID#290764
RoleBranch Manager
3
States licensed
4.9/5
Client rating
9+
Client reviews
Branch
Manager role
No. 01 · About Dave
Branch Manager, working files directly.
Profile sourced from LHFS’s public officer directory. NMLS #290764 — verify at nmlsconsumeraccess.org.
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.
TitleBranch Manager
NMLS#290764
Branch3420 Coach Lane — Cameron Park, CA
States3 licensed
LinkedInView profile
No. 02 · The Approach
Direct lender, same person on every call.
LHFS’s service rhythm isn’t a tagline — it’s how files actually move. Discovery before pricing, in-house underwriting, one named human from intro to close.
01 · Consultant
Discovery first, math second
Your situation drives the recommendation, not the rate sheet. Expect a real conversation before any rates are quoted — income type, timeline, credit posture, and goals all shape what the right loan actually is.
02 · Local
Direct lender, not a broker
Files are underwritten in-house at LHFS, not shopped out. Your loan officer is the same person from first call through close — no handoffs to a call-center mid-process. That's how 21-day closes happen.
03 · Advocate
Long-term relationship
From first home to refi to the next move, LHFS LOs tend to stay with their borrowers. Around two-thirds of business each year is repeat or referral — the strongest signal that the service actually delivered.
Typical lender
Order-taker model
- Hands you off to a processor after the first call
- Quotes rates before understanding the file
- Calls back in 2–3 days when conditions come up
- Treats every loan type as roughly the same product
- Generic CD walkthrough, "anything questions?" close
- Disappears after close — different LO at your next refi
LHFS model
Consultant + advocate
- Same loan officer from intro through funding
- Discovery conversation first, rate quote after
- Conditions get a same-day response in business hours
- Program selection driven by your specifics, not the spread
- Closing Disclosure walked line-by-line, every time
- In your contacts for the rest of your homeownership
No. 03 · Licensing
Where Dave is licensed to lend.
State-level mortgage licensing is per-state. Verify at nmlsconsumeraccess.org using NMLS #290764.
3
States Active
Individual NMLS-tracked licensure
50 + DC
via LHFS Corporate
Co-licensed partner network (NMLS #1796)
Licensed In3 states
CACalifornia
NVNevada
OROregon
Outside Dave’s footprint? A co-licensed LHFS partner LO can handle your file — same direct-lender service, no broker hand-off.
Browse all LOsView per-state credentials3 entries · NMLS-verifiable
StateFull NameVerificationStatus
CACaliforniaSee NMLS Consumer AccessActive
NVNevadaSee NMLS Consumer AccessActive
OROregonSee NMLS Consumer AccessActive
No. 04 · The Process
From hello to keys, step by step.
The LHFS service process. No surprises, no "just submit and we'll see" black boxes.Typical purchase closes in 30–42 days; refis and streamlines run 20–35.
01
Discovery call (30 min, free)
Loan type, timeline, income posture, credit range. No SSN, no hard pull, no commitment. By the end you’ll know whether you’re even talking to the right program — sometimes the answer is "wait" or "different lender."
02
Pre-approval and document plan
Soft credit pull, income and asset review, document checklist scoped to your file. Pre-approval letter within 1–3 business days. You’ll see exactly what you qualify for, not a sales target.
03
Offer support through close
For purchase files: realtor coordination, offer-letter language, seller-side reassurance when needed. For refis: rate lock window, payoff-statement timing. The boring part — done correctly.
04
Application, processing, underwriting
Full application filed, appraisal ordered, file enters underwriting. Your LO stays on the file — calls when conditions come up, escalates when needed, gives you a real ETA at every stage instead of "we’ll let you know."
05
Clear to close and signing
Closing Disclosure walked line by line, every figure explained. Keys handed over. Your LO stays in your contacts — for the IRRRL when rates drop, for the next move, for the kid’s first house.
No. 05 · Client Stories
In their own words.
Real letters from real borrowers — no edits, no curation. Pulled directly from LHFS’s public officer directory.
Note from our editorial team: Showing the 6 most recent of 9 reviews on file · aggregate rating 4.9/5. Names used with permission.
Letter 02
Dear Dave,
He worker very hard to get it done to my satisfaction
With gratitude,
Charles
Letter 03
Dear Dave,
Dave has done a great job with us from purchasing our home, refinancing our home and reverse mortgaging our home, he is a great manager making us feel comfortable and secure in the decisions that we have made
He is awsome!
With gratitude,
Daniel
Letter 04
Dear Dave,
David Crofut is a great representative, a pleasure to work with and a great asset to the Land Home Financial Services, he works well with people and gets things done in a timely manor, I give my best regards to Dave
With gratitude,
jackie
Letter 05
Dear Dave,
Great communication, even during the late hours of the day.
With gratitude,
Ricardo
Letter 06
Dear Dave,
We are first time homebuyers and we had a wonderful experience with Land Home Financial. Everyone was very helpful.
With gratitude,
Sachele
Reviews are sourced directly from LHFS’s public officer directory. Loan details accurate to borrower’s experience.Read more stories
No. 06 · Run the Numbers Yourself
Tools Dave actually uses.
The same calculators Dave runs during your discovery call. Plug in your real numbers, see the math, bring questions to the conversation.
Mortgage Calculator
Real amortization with taxes, insurance, and PMI built in. The full PITI picture, not a fake teaser payment.
Open calculatorAffordability Estimator
DTI-based budget. What you can actually support comfortably, not what you can stretch to.
Estimate budgetRefi Calculator
Break-even math without shortcuts. Does refinancing your current loan actually pay off, and when?
Run break-evenNo. 07 · Common Questions
What to expect, answered honestly.
Eight questions LHFS LOs hear most often. If you have a different one, just ask— the discovery call is for exactly this.
01Do I have to commit to anything to schedule a call?
No. The discovery call is free, with no obligation. No SSN, no hard credit pull, no application. If a different lender or a different program is actually your best option, you’ll be told that — sometimes the honest answer is "wait six months and try again."
02How does LHFS compare to a bank or online-only lender?
LHFS is a direct lender — we underwrite in-house, not via a broker network. That means decisions on your file happen in the same building as your loan officer, and conditions are resolved with one phone call instead of three days of email tag.
Compared to banks: we’re mortgage-specialist, not a generalist with a mortgage desk. Compared to online-only: you have a named human on every file, not a tracking number.
03How long does a typical loan take to close?
The LHFS network averages closing inside 21–42 days depending on loan type. Purchases run 30–42, conventional refis 25–35, FHA streamlines and VA IRRRLs as fast as 20–28. Outliers exist on either end — cash deals close faster, complex jumbo files slower.
04What documents will I need?
Standard mortgage documentation: two years of W-2s or 1099s, two months of bank statements, two recent pay stubs, government ID, and the address of the subject property. Self-employed borrowers add two years of tax returns plus P&L statements. Bank-statement loans use 12–24 months of business deposits instead of tax returns.
Your LO will scope the exact checklist after the discovery call — not before.
05What credit score do I need?
Conventional loans typically require 620+. FHA goes down to 580 (sometimes 500 with 10% down). VA and USDA are flexible — VA has no hard minimum, lender overlays vary. Bank-statement, ITIN, and DSCR programs have their own thresholds.
A 740+ score generally unlocks the best pricing tiers across most products.
06Will you be the one I deal with the whole time?
Yes. Your loan officer stays on the file from first call through funding. Processors, underwriters, and the closing team work alongside the LO, not as replacements. When conditions come up, the same person who walked you through the rate quote is the one calling you about them.
07Can I refinance with you if my current loan is with another lender?
Yes — refinances move the loan to LHFS regardless of where the existing one lives. Common moves: rate-and-term refi (lower rate), cash-out refi (pull equity), term-shortening (15-year from a 30-year), or PMI-removal at the 20% equity mark.
The refi calculator in tools will run the break-even math.
08What happens after closing?
Your LO stays in your contacts — not your spam folder. Annual portfolio check-in when rates move, proactive reach-out for IRRRL or streamline opportunities, and a familiar voice when the next purchase or refi comes around. Mortgage relationships work best on multi-decade horizons.
Ready to talk?
Three ways to start a conversation.
Pick whichever fits. The 15-minute discovery call is free, no SSN, no commitment.