Land Home Financial Services

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 1 historical complaint about Land Home Financial Services, published in 2009. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Refinance cancelled abruptly - FRAUD!Published Jun 25, 2009 · Historical consumer allegation

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Payment

• Official website: https://lhfs.com/
• Corporate office: 800-672-9470
• Make a payment (loan servicing): https://lhfs.com/loan-servicing
• Servicing documents (ACH forms): [email protected]
• Customer service (Mon-Fri 7am-6pm PT): 800-241-5263

Locations

Have a mortgage or application with Land Home Financial? What to check

Land Home Financial Services, Inc. (LHFS) is a Concord, California mortgage lender, NMLS #1796, that says on its wholesale site it is "a direct Fannie Mae, Freddie Mac and Ginnie Mae seller/servicer." That means a loan LHFS originated may still be serviced by LHFS, or it may have been sold and transferred to another servicer — check the servicer name printed on your most recent monthly mortgage statement, or any servicing-transfer notice you received, before assuming who you're dealing with.

• To make a payment, LHFS's own site, lhfs.com, has a "Make a Payment" link; its corporate office number is 800-672-9470.
• Put any dispute in writing and keep a copy of what you sent and any reply you get back.
• Keep your payment confirmations, and review each monthly statement.
• Verify licensing for LHFS, or any loan officer you're dealing with, at www.nmlsconsumeraccess.org using NMLS #1796.
• If a problem isn't resolved, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, or with your state's mortgage regulator — in California, the Department of Financial Protection and Innovation (DFPI) licenses LHFS under the California Residential Mortgage Lending Act, license #4150086.

The CFPB complaint data reported below shows LHFS's most common consumer issues concern the payment process and struggling to pay a mortgage. This page makes no promises about what any lender will offer.

For loans that Land Home services, its payment page says phone payments are "currently at no charge" at (800) 672-9470; your loan number is at the top of your mortgage statement and the payment mailing address is in the payment coupon at the bottom; automatic draft payments are set up in its borrower portal at Servicing.LHFS.com, where payment information can also be updated (or by emailing a new ACH form to [email protected]).

Regulator actions: HUD settlement, a 2014 Kentucky agreed order, and a 2011 California license revocation

In a memorandum dated September 18, 2016 (report 2016-CF-1805), the U.S. Department of Housing and Urban Development's Office of Inspector General (HUD OIG) reported that HUD had contended Land Home Financial Services, Inc. "may be liable under the Program Fraud Civil Remedies Act … for falsely certifying that a loan it underwrote was eligible for FHA mortgage insurance," and that the company had "failed to obtain sufficient explanations for the borrower's negative credit." On February 12, 2016, Land Home "entered into a settlement agreement with HUD" and agreed to pay $45,000. HUD OIG's memorandum states that "the settlement agreement did not constitute an admission of liability or fault on the part of any party."

Kentucky, 2014. The Kentucky Department of Financial Institutions (DFI) entered an Agreed Order (agency case no. 2014-AH-157) with "Land/Home Financial Services, Inc.," a Kentucky mortgage company licensee. The order states that a DFI examination on August 12, 2014 found that in May and June 2014 the company "employed an unregistered person who acted as a loan processor" on a Kentucky loan, in violation of KRS 286.8. The company agreed to pay a $1,000 fine and to devote the resources needed for full compliance with KRS Chapter 286.8. The order was signed in December 2014 and entered on December 22, 2014.

California, 2011. In an order dated February 2, 2011, California's then-Department of Corporations revoked the California Finance Lenders Law license held as "Pacific Funding Group (Land/Home Financial Services, dba)", 1210 Central Boulevard #A, Brentwood, California, effective February 24, 2011, for failure to pay its annual assessment, unless the assessment was received by February 23, 2011. The California Department of Real Estate's license record for Land Home Financial Services, Inc. lists "Land / Home Financial Services" as a former name and "Pacific Funding Group" as a dba active from June 25, 2008 to February 27, 2011, so this order concerned the same company under that dba. It was about an unpaid assessment on one license, not a finding about how loans were made or serviced. The same DRE record shows the company's real estate corporation license as licensed, expiring April 24, 2028, with "NO DISCIPLINARY ACTION" listed.

Company background

Land Home Financial Services, Inc. is headquartered at 1355 Willow Way, Suite 250, Concord, California 94520, with a corporate phone number of 800-672-9470. According to the Better Business Bureau's data, the business started on March 18, 1988, and its BBB file was opened in 1989; the BBB lists Brad Waite as President and reports approximately 700 employees.

LHFS's own site lists purchase, refinance, renovation, manufactured-home, and reverse-mortgage loans, along with community lending and insurance services, among its products. Its wholesale site, wholesale.lhfs.com, states: "We are a direct Fannie Mae, Freddie Mac and Ginnie Mae seller/servicer."

LHFS's own site lists its licenses, including NMLS #1796; a California DFPI license under the California Residential Mortgage Lending Act, #4150086; Arizona license #0903165; Georgia Mortgage Lender license #14777; Massachusetts Lender License #ML1796; and a licensed mortgage banker registration with the New York State Department of Financial Services. LHFS's site states it is an Equal Housing Lender.

Complaint record: USAComplaints, CFPB, and BBB, reported separately

Several sources track complaints about LHFS, and this page reports each separately rather than combining them into one figure:

• USAComplaints: 1 complaint has been submitted about Land Home Financial on this site — a June 25, 2009 post, "Refinance cancelled abruptly," in which a consumer reported that a refinance they had started in March was declined in June, that their interest-rate lock had expired by then, and described communication problems with the broker involved. This is a consumer's own account, not independently verified.
• CFPB Consumer Complaint Database (company "Land Home Financial Services," checked September 28, 2026): 244 complaints filed from January 15, 2013 through September 10, 2026 (29 in the last 12 months). By product: mortgage, 224; credit reporting, 13 (combining product-name variants); debt collection, 6. Top issues: "Trouble during payment process," 85; "Struggling to pay mortgage," 66; "Applying for a mortgage or refinancing an existing mortgage," 16; "Loan servicing, payments, escrow account," 16; "Closing on a mortgage," 14. Top states: California (50), Florida (30), Georgia (16), New York (16), Illinois (15), Minnesota (11). The CFPB database records 233 company responses as closed with explanation, 6 as closed with non-monetary relief, and 5 as closed with monetary relief. The CFPB does not verify the facts alleged in a complaint, and complaint counts are not a representative sample of a company's customers.
• BBB: Land Home Financial Services, Inc. is not BBB Accredited, with a BBB Rating of A+. BBB shows 15 complaints in the last 3 years (5 closed in the last 12 months), and a customer-review score of 1 out of 5 from 5 reviews.

Because each source covers a different population, time window, and method, none of these figures is added to or averaged with any other.

Lawsuits naming Land Home Financial Services

A CourtListener case-name search for "Land Home Financial," run September 28, 2026, found 50 federal dockets from 2009 through 2026 naming the company. All of the following are allegations from filed complaints unless a disposition is specifically noted, and outcomes have not been individually reviewed for this page.

• Foreclosure and real-property disputes, for example Meyer v. Land Home Financial Services (W.D. Wash., 2023), Gray v. Land Home Financial Services (D. Minn., 2023), and Rutherford v. Land Home Financial Services (D. Ariz. / D. Nev., 2011).
• Truth in Lending Act claims, for example Roberts v. Land Home Financial Services (E.D. Cal., 2009), Cencil v. Land Home Financial Services (N.D. Cal., 2010), and McCloskey v. Land Home Financial Services (N.D. Cal., 2012).
• A RESPA claim, Jacobs v. Land Home Financial Services, Inc. (M.D. Fla., No. 8:23-cv-02308), filed 2023 and active into 2025.
• A consumer-credit claim, Tetherow v. Land Home Financial Services (S.D. Fla., 2015–2016).
• Bankruptcy adversary proceedings in which LHFS appears as a party.
• Recent 2025–2026 filings, including Mendralla v. Land Home Financial Services (N.D. Ill.), Edmonds v. Land Home Financial Services (W.D. Mich.), Rancour v. Land Home Financial Services (S.D. Ohio), and a bankruptcy matter, In re Ferro (Bankr. N.D. Cal., filed September 24, 2026).
• An employment case, Johnson v. Land Home Financial Services (M.D.N.C., 2024).

This is a summary of what a docket search turns up, not a review of each case's merits or current status; a filing describes what a plaintiff alleges, not a court's finding.

Is Land Home Financial Services Legitimate?

Land Home Financial Services, Inc. is a licensed mortgage lender, NMLS #1796, that has operated since 1988 and lists licenses listed on its own site, including a California DFPI license under the California Residential Mortgage Lending Act (#4150086). It says it is a direct Fannie Mae, Freddie Mac and Ginnie Mae seller/servicer. In February 2016, it entered into a settlement agreement with HUD (as reported by HUD's Office of Inspector General) over an allegation that it falsely certified one FHA loan's underwriting eligibility, agreeing to pay $45,000 without admitting liability or fault. Two smaller state actions are also on record: a 2014 Kentucky agreed order with a $1,000 fine for using an unregistered loan processor on one Kentucky loan, and a 2011 revocation of a California Finance Lenders license held under its former dba "Pacific Funding Group" for an unpaid annual assessment. California's Department of Real Estate lists its real estate license as active, with no disciplinary action. The Better Business Bureau gives Land Home Financial Services, Inc. an A+ rating (it is not BBB accredited); the CFPB has logged 244 complaints about it since 2013, most concerning mortgage payment issues; and one complaint has been filed about it on USAComplaints. This page assigns no rating, score, or "scam" label of its own — the regulatory and complaint record above is reported so readers can weigh it for themselves.

Court & Public Records

Frequently Asked Questions