Authentic stories from closed LHFS borrowers — first-time buyers, refinancers, manufactured-home owners, renovators, and retirees. Names belong to real customers; specific identifying details may be redacted for privacy.
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We don't curate our own ratings. These are aggregate scores from independent platforms where borrowers post freely after their loan closes.
Filter by loan program, star rating, or state. Every review here is from a closed LHFS borrower, not a paid endorser or marketing affiliate.
We were nervous after our first lender ghosted us a week before close. LHFS picked up the file, re-ran underwriting, and still hit our original closing date. Our LO texted updates almost daily and we knew exactly what was happening at every step.
Our home is a 2003 double-wide on permanent foundation, and three big-bank lenders wouldn't touch it. LHFS quoted FHA Title II the same week, ordered the engineer's report, and got us to the closing table in 41 days. The rate was competitive and the process felt human.
When rates dipped we asked LHFS to run a refi review. They came back with two options and a clear break-even calc instead of the usual hard sell. Closed in three weeks and our payment dropped by $412. Same servicer kept the loan.
We bought a 1947 bungalow that needed everything — roof, electrical, kitchen. The LHFS renovation team had clearly done dozens of these, because every draw inspection was scheduled within 48 hours and the contractor never had to wait on funds.
My adult children sat in on every call. The LHFS counselor explained the HECM mechanics three different ways until we all understood the trade-offs. Nothing was rushed, no sales pressure. We took six weeks to decide and they were ready when we were.
The big online lender kept fumbling my entitlement restoration. LHFS had a VA specialist on the phone within an hour, fixed the COE issue, and walked me through the funding-fee exemption I qualified for as a disabled vet. Closed two weeks ahead of schedule.
Pulled $80k for a kitchen remodel. The application was clean and funding was quick. One income document had to be re-sent because of a portal glitch, otherwise it was painless. Rate matched what they quoted on day one.
We bought five acres and a new manufactured home together. Most lenders only do one or the other, but LHFS structured the whole thing as a single FHA loan. The LO walked us through HUD tag verification and we never felt like an afterthought.
VA IRRRL with minimal paperwork. The LHFS team had my file ready before I uploaded a single document because they were already servicing the original loan. Closed in 18 days, dropped my rate by 1.25%, and my servicer didn't change.
Bought it as an owner-occupant with plans to rent the upstairs. LHFS understood the rental-income calc and got us a HomeStyle loan that covered the entire scope— new HVAC, foundation work, two bathrooms. The construction draws were predictable and on time.
USDA rural loan with state DPA stacked on top. LHFS made the DPA work even when the title company was confused about the second lien. We had a few slow days mid-process but the LO always responded the same day when we reached out.
Sold our four-bedroom in NJ and moved to a smaller home in PA using a HECM for Purchase. LHFS was one of the few lenders that even quoted this product, and they coordinated with our financial advisor every step of the way. We have no monthly mortgage payment and meaningful equity to spare.
We'd been saving for nine years. The home we wanted was a 2008 double-wide on five acres outside Asheville — permanent foundation, HUD tags intact, comparable sales in the area. Three different lenders pre-approved us, then declined at underwriting the moment they saw “manufactured” on the appraisal.
A friend referred us to LHFS. The LO returned my call within forty minutes and immediately said the words I'd been waiting nine years to hear: “Yes, this is exactly what we do.” She walked us through FHA Title II, ordered the engineer's report, and explained every condition before underwriting raised it.
We closed forty-one days after our first phone call. Our rate was competitive with what conventional buyers were getting in our market. The single biggest difference was working with a team that writes manufactured loans every day, not once a quarter.