Tony Wicke.
Executive Vice President-Retail Division · 32 states licensed
Executive Vice President-Retail Division, working files directly.
Profile sourced from LHFS’s public officer directory. NMLS #14185 — verify at nmlsconsumeraccess.org.
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.
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.
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.
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.
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.
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
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
Where Tony is licensed to lend.
State-level mortgage licensing is per-state. Verify at nmlsconsumeraccess.org using NMLS #14185.
View per-state credentials32 entries · NMLS-verifiable
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.
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."
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.
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.
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."
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.
Tools Tony actually uses.
The same calculators Tony 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-evenWhat 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.
Three ways to start a conversation.
Pick whichever fits. The 15-minute discovery call is free, no SSN, no commitment.