Terms of Use.

These Terms of Use (the “Terms”) govern your access to and use of the website, mobile properties, and online services operated by LandHome Financial Services, Inc.(“LHFS,” “we,” “us,” or “our”). By accessing the site, creating an account, submitting a loan inquiry, or otherwise interacting with our online tools, you agree to be bound by these Terms and by our Privacy Policy.

If you do not agree, please discontinue use of the site. These Terms apply in addition to any separate written agreement you sign with LHFS — including loan applications, disclosures, and closing documents — which control in case of conflict on the matters they cover.

You may use this site for lawful, personal, non-commercial purposes — including researching mortgage options, calculating affordability, submitting a loan inquiry, and communicating with a licensed mortgage loan originator. You agree not to:

• Use the site in any manner that violates federal, state, or local law, or any applicable mortgage, fair-lending, or consumer-protection regulation.
• Attempt to gain unauthorized access to any portion of the site, our servers, or any connected system, or to interfere with site availability, integrity, or security.
• Submit false, misleading, or fraudulent information — including misrepresenting income, identity, occupancy, or property use on a loan inquiry or application.
• Scrape, data-mine, frame, or systematically reproduce site content without our prior written consent.
• Transmit viruses, malware, or any code intended to damage, disable, or impair the site or its users.

We reserve the right to suspend or terminate access for any user who violates these Terms or who, in our reasonable judgment, poses a security or compliance risk.

All content on this site — including text, graphics, logos, photographs, video, calculators, rate tables, software, and the overall “look and feel” — is the property of LandHome Financial Services, Inc. or its licensors, and is protected by United States and international copyright, trademark, and other intellectual-property laws.

The names “LandHome Financial Services”, “LHFS”, the LHFS logo, and any associated taglines are trademarks of LHFS. You may not copy, reproduce, distribute, modify, publicly display, or create derivative works from any portion of this site without our prior written consent, except that you may print or download a single copy of materials for your personal reference in connection with a contemplated loan transaction.

When you submit information through the site — a loan inquiry, contact form, document upload, calculator input, or feedback message — you represent that the information is truthful, accurate, and yours to provide, and that submission does not violate any third-party right or applicable law. You retain ownership of your personal information; our handling of it is governed by our Privacy Notice (consistent with the Gramm-Leach-Bliley Act and applicable state privacy laws).

For non-personal feedback, suggestions, or ideas you voluntarily submit (collectively, “Feedback”), you grant LHFS a non-exclusive, royalty-free, worldwide, perpetual license to use the Feedback for any lawful business purpose without compensation or attribution. Do not submit confidential or proprietary information you do not wish us to use in this manner.

Submission of a loan inquiry, calculator result, pre-qualification request, or any other information through this site does not constitute a loan application, an offer to extend credit, or a commitment to lend. A formal mortgage application requires the six items defined under Regulation Z(12 CFR §1026.2(a)(3)): name, income, Social Security number, property address, estimated property value, and loan amount sought.

All loans are subject to credit approval, satisfactory appraisal, clear title, qualifying income and assets, program eligibility, investor and agency overlays, and other underwriting conditions. Programs, fees, rates, points, terms, and timelines are subject to change without notice and may vary by state, loan amount, occupancy, property type, credit score, debt-to-income ratio, loan-to-value, and other factors. Other restrictions and limitations may apply.

Portions of this site — including affordability calculators, rate examples, payment estimates, savings projections, and turn-time references — contain forward-looking statements that depend on assumptions about your individual financial profile, the property, the program, market conditions, and the regulatory environment in effect at the time of application.

Actual results will vary. Examples shown are illustrative only and are not a guarantee of approval, rate, payment, closing date, or any other outcome. Calculator outputs do not include all costs that may apply to your transaction (such as taxes, insurance, HOA dues, mortgage insurance, or buy-down points) and should not be relied on as a substitute for a Loan Estimate.

The site may contain links to third-party websites, tools, or resources — for example, the NMLS Consumer Access registry at nmlsconsumeraccess.org, the Consumer Financial Protection Bureau, state regulators, credit bureaus, or settlement-service providers — that are not under the control of LHFS.

We provide these links for convenience only. LHFS does not endorse, monitor, or accept responsibility for the content, privacy practices, accuracy, or availability of any linked third-party site. Your use of any third-party site is at your own risk and subject to that site's own terms and privacy policies.

No legal, tax, or financial advice. LandHome Financial Services, Inc. does not provide legal, tax, accounting, or financial-planning advice. Site content is informational only. Please consult a qualified attorney, CPA, or financial advisor regarding your specific situation before making any decision that has legal or tax consequences.

No government affiliation. LandHome Financial Services, Inc. is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA), Ginnie Mae, Fannie Mae, Freddie Mac, or any other federal, state, or local government agency. We are an independent, privately-held mortgage lender that originates FHA, VA, USDA, and conventional loans subject to applicable agency and investor guidelines.

“As is” basis. The site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied — including, to the fullest extent permitted by law, implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted operation. We do not warrant that the site will be error-free or that defects will be corrected.

Equal Housing Lender. LandHome Financial Services, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, national origin, religion, sex, disability, familial status, age, marital status, or receipt of income from public assistance.

To the fullest extent permitted by applicable law, LandHome Financial Services, Inc., its officers, directors, employees, agents, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages— including, without limitation, loss of profits, loss of data, loss of goodwill, business interruption, or cost of substitute services — arising out of or in connection with your access to or use of (or inability to use) the site, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if LHFS has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you. Nothing in these Terms limits any right or remedy you may have under applicable consumer-protection law that cannot be waived by contract.

You agree to defend, indemnify, and hold harmless LandHome Financial Services, Inc. and its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (i) your violation of these Terms; (ii) your violation of any applicable law or third-party right; (iii) any false, misleading, or fraudulent information you submit through the site; or (iv) your misuse of the site or any of its content.

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the site shall be brought exclusively in the state or federal courts located in Contra Costa County, California, and you consent to the personal jurisdiction of those courts.

This venue selection does not override the consumer-protection rights you may have under your home-state law in connection with a specific mortgage transaction— which are governed by the binding agreements you sign at application and at closing, and by the regulators of the state in which the property is located.

LHFS may revise these Terms at any time by posting an updated version on this page with a new “Last Updated” date. Material changes will be highlighted at the top of the page or otherwise communicated through the site. Your continued use of the site following any change constitutes acceptance of the revised Terms.

We recommend reviewing this page periodically. Changes to the Terms do not retroactively alter the binding language of any loan agreement, disclosure, or contract you have already executed with LHFS.

Questions about these Terms, a complaint about the site, or a request for clarification should be directed to our legal team: