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Land Home Financial Services, Inc is licensed in all 50 states and the District of Columbia. Applicable state disclosure regulations require the following licenses and information to be explicitly disclosed:
Alaska Mortgage Broker/Lender License #AK1796 Alabama Consumer Credit License #4226 Arkansas Combination Mortgage Banker-Broker-Servicer License #11261 Arkansas Collection Agency License #4871 Arizona Collection Agency License #09042359 Arizona Mortgage Banker License #903165 California DFPI Financing Law License #6052040 California-DRE Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement #00988341 California DFPI Residential Mortgage Lending Act License #4150086 Colorado Mortgage Company Registration Colorado Mortgage Servicer Registration #MSV-9000017 Colorado Collection Agency License #CAR-1000355 Connecticut Mortgage Lender License #8279 Connecticut Consumer Collection Agency License #CCA-1796 Connecticut Supplemental Servicer Authority #1796 District of Columbia Mortgage Lender License #MLB1796 Delaware Lender License #5088 Florida Mortgage Lender Servicer License #MLD452 Florida Consumer Collection Agency License #CCA9903233 Georgia Mortgage Lender License/Registration #14777 Hawaii Mortgage Loan Originator Company License #HI-1796 Hawaii Mortgage Servicer License #MS090 Idaho Mortgage Broker/Lender License #MBLB-2082444807 Idaho Collection Agency License #CCA-9649 Illinois Residential Mortgage License #MB.0005842 Illinois Residential Mortgage License-Servicing Authority #MB.0005842 Illinois Licensed Collection Agency #017.022111 Indiana-DFI Mortgage Lending License #11035 Iowa Mortgage Banker License #1999-0137 Iowa Collection Agency Notification Kansas Mortgage Company License #MC.0025337 Kentucky Mortgage Company License #MC95098 Louisiana Residential Mortgage Lending License Louisiana Collection Agency Registration #41244535I Louisiana Sales Finance Company License #SF-2024-01167 Maine Debt Collector Maine Supervised Lender License #SLM4742 Maine Loan Servicer Registration #SVR15907 Maryland Mortgage Lender License #1796 Maryland Collection Agency License #1796 Massachusetts Mortgage Lender License #ML1796 Massachusetts Debt Collector #DC1796 Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0882 Michigan 2nd Mortgage Broker/Lender/Servicer Registrant #SR0019201 Minnesota Residential Mortgage Originator License #MN-MO-20203708 Minnesota Debt Collection License #40543048 Missouri Mortgage Company License #1796 Mississippi Mortgage Lender License #1796 Montana Mortgage Lender License #1796 Montana Mortgage Servicer License #1796 Nebraska Mortgage Banker License #210 Nevada Mortgage Company License #3618 Nevada Supplemental Mortgage Servicer License #4745 Some products may not be available in all states. Restrictions apply. | Nevada – FID Collection Agency #CAX10007 Nevada – FID Collection Agency Compliance Manager(Guy Ramey) #CM12531 New Hampshire Mortgage Banker License #7473-MB New Jersey Collection Agency Bond New Jersey Residential Mortgage Lender License New Jersey RMLA-Licensed Mortgage Servicer Registration New Mexico Mortgage Loan Company License #01128 New Mexico Collection Agency License #CA01906 New York - City of Buffalo NY Collection Agency License #CAG16-10038491 New York - City of Yonkers Debt Collection Agency License #10223 New York City Debt Collection Agency License #2085093-DCA New York Exempt Mortgage Loan Servicer Registration #B500893 New York Mortgage Banker License #B500893 New York Reverse Mortgage (HECM) Lending North Carolina Mortgage Lender License #L-116201 North Carolina Reverse Mortgage Lender #RM-189 North Carolina Collection Agency License #119506898 North Dakota Residential Mortgage Lender #ML104315 North Dakota Residential Mortgage Loan Servicer #MS104316 Ohio General Loan Law Certificate of Registration #GL.501843.000 Ohio Residential Mortgage Lending Act Certificate of Registration #RM.804266.000 Oklahoma Mortgage Broker License #MB010149 Oklahoma Mortgage Lender License #ML010997 Oregon Mortgage Lending License #ML-1093 Oregon Collection Agency Registration #49985 Oregon Mortgage Servicer License #1796 Pennsylvania Mortgage Lender License #43200 Pennsylvania Mortgage Servicer License #66429 Rhode Island Lender License #99001048LL Rhode Island Debt Collector Registration #20173331DC Rhode Island Third Party Loan Servicer License #20183599LS South Carolina-BFI Mortgage Lender / Servicer License #MLS – 1796 South Dakota Mortgage Lender License #1796.ML Tennessee Mortgage License #109252 Tennessee Reverse Mortgage Authority Tennessee Collection Service Agency #2145 Texas Regulated Lender License #2525-12027 Texas-SML Mortgage Banker Registration #None Assigned Texas Collection Agency Bond #None Assigned Texas Registered Creditor #2525-226704 Utah-DRE Mortgage Entity License #5491767 Utah-DFI Residential First Mortgage Notification #UDFI-RFMN2015 Utah Registered Consumer Creditor Notification Virginia Lender License #MC-1651 Virginia Broker License #MC-1651 Vermont Lender License #4854 Vermont Mortgage Broker License #0200 MB Vermont Loan Servicer License #1796-1 Washington Consumer Loan Company License #CL-1796 Washington Collection Agency Endorsement #601-920-234-001-0004 West Virginia Mortgage Lender License #ML-33089 West Virginia Collection Agency Registration #1050-7186 Wisconsin Mortgage Banker License #213566BA Wyoming Mortgage Lender/Broker License #1308 Wyoming Collection Agency License #CAB-1097 |
Confidentiality is a Prerequisite
Land Home Financial is wired for fast interoffice communication. Our in-house financial professionals and a staff of full-time technical experts keep Land Home Financial on the cutting edge while preserving client privacy. Confidentiality is a prerequisite for every technological advance we make. This technical infrastructure allows us to live up to our commitment of providing diversified funding options and consistent, superior, personalized service to our clients and partners.
Our Guide to Protecting Your Privacy
The purpose of this section is to explain how Land Home Financial protects and how we use your personal information when and after you obtain a home loan from us. We want you to know that information given to us is safe, secure and used in a responsible manner. Your privacy is a priority to all of us at Land Home Financial Services.
We use advanced data-encryption and storage technology to protect your sensitive personal information. In addition, we utilize the secure certificates. We have implemented extensive administrative, technical and physical safeguards and quality controls. These include:
Clearly stated policies in our employee handbook and thorough on-the-job training in confidentiality and customer privacy ensure that our employees are committed to keeping your personal information safe and secure.
You Are Protected While On The Internet
Land Home Financial Services has designed many features of our websites to let you anonymously explore home loan options and other helpful functions, without revealing your identity. The only information we collect are from “cookies,” which provide limited data, such as the date, time and areas of our websites that were visited. This general information enables us to serve you better by continually improving our websites and making them more convenient. Only when you’re ready for one of our products or services do we ask for identifying information, so that we can quickly process your request.
When you are asked to enter any personal information on a Land Home Financial website, our systems automatically switch to a secure mode. The following security features are used to safeguard your privacy:
Sophisticated, industry-leading encryption and authentication technologies.
Website design that blocks or limits online display of customer information when not necessary to you or the transaction.
IDs and passwords to protect sensitive information.
Information We Gather
In order to originate, close and provide servicing for your loan(s), comply with the required government regulations and improve our products and services, we collect and maintain a range of customer information, which includes non-public information. This information may include:
We are periodically required to disclose some of this data to third parties, such as credit reporting agencies, federal and state regulators and loan investors, in order to do business with you. We may also share all of this information with companies that perform services on our behalf (such as the vendor who performs our quality control or compliance reports). These business partners contractually agree to keep the information confidential and not use it for any other purpose.
Unless you opt out, we may periodically share your non-public personal information with affiliates of Land Home Financial Services, Inc. in order to offer you other valuable services. These affiliates will take proper steps to fully safeguard your personal information in accordance with Land Home Financial Services, Inc’s privacy policy and state and federal law.
This Privacy Notice for California Residents and GDPR Compliance supplements the information contained in the Privacy Policy of Land Home Financial Services, Inc. (“Company”, “We”, “Us”, or “Our”) at https://lhfs.com/legal/privacy/ and applies to all visitors, users, and others who reside in the State of California or whose use of Our website subjects Us to the General Data Protection Regulation (GDPR) (“Consumers“, “You“, or “Your”). We adopt this notice to comply with the GDPR and California Consumer Privacy Act of 2018 (CCPA), with updates from January 2024. Any terms defined in the CCPA shall have the same meaning when used in this notice.
“Notice of Right to Limit” means the notice given by a business informing consumers of their right to limit the use or disclosure of the consumer’s sensitive personal information as required by Civil Code sections 1798.121 and 1798.135 and specified in these regulations.
Our Website collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or device (“personal information“). In particular, Our website has collected the following categories of personal information from its consumers within the last twelve (12) months:
Category | Examples | Collected |
---|---|---|
A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | YES |
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO |
E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
F. Internet or other similar network activity. | Browsing history, search history, information on a Consumer’s interaction with a website, application, or advertisement. | YES |
G. Geolocation data. | Physical location or movements. | YES |
H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
L. Sensitive Personal Information | Social Security Number, driver’s license, state identification card, or passport number; account log-In, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of a consumer’s mail, email and text messages, unless the business is the intended recipient of the communication. | NO |
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
Use of Personal Information
We may use, sell, or disclose the personal information We collect for one or more of the following business purposes:
We have set out below, in a table format, a description of the ways We plan to use Your personal data, and which of the legal bases We rely on to do so. We have also identified what Our legitimate interests are where appropriate.
Purpose/Activity | Type or data | Lawful basis for processing including basis of legitimate interest |
---|---|---|
To register you as a new customer | (a) Identity (b) Contact | Performance of a contract with you |
To process and deliver your order including: (a) Manage payments, fees and charges (b) Collect and recover money owed to us | (a) Identity
(b) Contact (c) Financial (d) Transaction (e) Marketing and Communications | (a) Performance of a contract with you (b) Necessary for our legitimate interests (to recover debts due to us) |
To manage our relationship with you which will include:
(a) Notifying you about changes to our terms or privacy policy (b) Asking you to leave a review or take a survey | (a) Identity
(b) Contact (c) Profile (d) Marketing and Communications | (a) Performance of a contract with you (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services) |
To enable you to partake in a prize draw, competition or complete a survey | (a) Identity
(b) Contact (c) Profile (d) Usage (e) Marketing and Communications | (a) Performance of a contract with you (b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business) |
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) | (a) Identity
(b) Contact (c) Technical | (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganization or group restructuring exercise)
(b) Necessary to comply with a legal obligation |
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you | (a) Identity
(b) Contact (c) Profile (d) Usage (e) Marketing and Communications (f) Technical | Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy) |
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences | (a) Technical
(b) Usage | Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy) |
To make suggestions and recommendations to you about goods or services that may be of interest to you | (a) Identity
(b) Contact (c) Technical (d) Usage (e) Profile (f) Marketing and Communications | Necessary for our legitimate interests (to develop our products/services and grow our business) |
We will not collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes without providing You notice.
Sharing Personal Information
We may disclose Your personal information to a third party for a business purpose or sell Your personal information, subject to Your right to opt-out of those sales (see Personal Information Sales Opt-Out and Opt-In Rights). When We disclose personal information for a business purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information We hold from reselling it unless You have received explicit notice and an opportunity to opt-out of further sales.
We share Your personal information with the following categories of third parties:
Disclosures of Personal Information for a Business Purpose
In the preceding twelve (12) months, Company has not disclosed any of the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category E: Biometric information.
Category F: Internet or other similar network activity.
Category G: Geolocation data.
Category H: Sensory data.
Category I: Professional or employment-related information.
Category J: Non-public education information.
Category K: Inferences drawn from other personal information.
Disclosure of Your personal information for a business purpose is limited to the following categories of third parties:
Sales of Personal Information
In the preceding twelve (12) months, Company has not sold personal information for the following categories of personal information:
A. Identifiers.
B. California Customer Records personal information categories.
C. Protected classification characteristics under California or federal law.
D. Commercial information.
E. Biometric information.
F. Internet or other similar network activity.
G. Geolocation data.
H. Sensory data.
I. Professional or employment-related information.
J. Non-public education information.
K. Inferences drawn from other personal information.
Sale of Your personal information is limited to the following categories of third parties:
International Transfer of Personal Information
If We transfer Your personal data out of the European Economic Area (EEA), We ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.
Data Retention
We will only retain Your personal data for as long as reasonably necessary to fulfil the purposes We collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain Your personal data for a longer period in the event of a complaint or if We reasonably believe there is a prospect of litigation in respect to Our relationship with You.
To determine the appropriate retention period for personal data, We consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of Your personal data, the purposes for which We process Your personal data and whether We can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
Your Rights and Choices
The CCPA provides Consumers (California residents) with specific rights regarding their personal information. This section describes Your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that We disclose certain information to You about Our collection and use of Your personal information over the past 12 months. Once We receive and confirm Your verifiable Consumer request (see Exercising Access, Data Portability, and Deletion Rights), We will disclose to You:
Deletion Request Rights
You have the right to request that We delete any of Your personal information that We collected from You and retained, subject to certain exceptions. Once We receive and confirm Your verifiable Consumer request (see Exercising Access, Data Portability, and Deletion Rights), We will delete (and direct Our service providers to delete) Your personal information from Our records, unless an exception applies.
We may deny Your deletion request if retaining the information is necessary for Us or Our service provider(s) to:
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable Consumer request to Us by either:
Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable Consumer request related to Your personal information. You may also make a verifiable Consumer request on behalf of Your minor child.
You may only make a verifiable Consumer request for access or data portability twice within a 12-month period. The verifiable Consumer request must:
We cannot respond to Your request or provide You with personal information if We cannot verify Your identity or authority to make the request and confirm the personal information relates to You.
Making a verifiable Consumer request does not require You to create an account with Us.
We will only use personal information provided in a verifiable Consumer request to verify the requestor’s identity or authority to make the request. For instructions on exercising sale opt-out rights, see Personal Information Sales Opt-Out and Opt-In Rights.
Response Timing and Format
We endeavor to respond to a verifiable Consumer request within forty-five (45) days of its receipt. If We require more time (up to 90 days), We will inform You of the reason and extension period in writing.
We will deliver Our written response by mail or electronically, at Your option. Any disclosures We provide will only cover the 12-month period preceding the verifiable Consumer request’s receipt. The response We provide will also explain the reasons We cannot comply with a request, if applicable. For data portability requests, We will select a format to provide Your personal information that is readily useable and should allow You to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to Your verifiable Consumer request unless it is excessive, repetitive, or manifestly unfounded. If We determine that the request warrants a fee, We will tell You why We made that decision and provide You with a cost estimate before completing Your request.
Personal Information Sales Opt-Out and Opt-In Rights
If You are 18 years of age or older, You have the right to direct Us to not sell Your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers We actually know are less than 18 years of age, unless We receive affirmative authorization (the “right to opt-in”) from either the Consumer who is 18 years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.
To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by visiting the following Internet Web page link: https://lhfs.com/opt-out(link goes back to LHFS.com) Once You make an opt-out request, We will wait at least twelve (12) months before asking You to reauthorize personal information sales. However, You may change Your mind and opt back in to personal information sales at any time by visiting the following Internet Web page link: https://lhfs.com/opt-in (link goes back to LHFS.com)
You do not need to create an account with Us to exercise Your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.
Non-Discrimination
We will not discriminate against You for exercising any of Your CCPA rights. Unless permitted by the CCPA, We will not:
However, We may offer You certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive We offer will reasonably relate to Your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires Your prior opt-in consent, which You may revoke at any time. We do not currently provide any financial incentives.
The Right To Correct, or Limit Use of Personal Information
You may ask Us to correct inaccurate information we have about You or would like to limit use of Your personal information (for example Your social security number, financial account information or your genetic data) or if We are currently using this information for anything other than for services you requested, You may submit a request to:
Land Home Financial Services, Inc.
Attn: CIO
1355 Willow Way, Suite 250
Concord, California 94520
Or by contacting us at:
We endeavor to respond to a verifiable Consumer request within forty-five (45) days of its receipt. If We require more time (up to 90 days), We will inform You of the reason and extension period in writing. We will deliver Our written response by mail or electronically, at Your option.
We will deliver Our written response by mail or electronically, at Your option.
Any disclosures We provide will only cover the 12-month period preceding the verifiable Consumer request’s receipt. The response We provide will also explain the reasons We cannot comply with a request, if applicable. For data portability requests, We will select a format to provide Your personal information that is readily useable and should allow You to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to Your verifiable Consumer request unless it is excessive, repetitive, or manifestly unfounded. If We determine that the request warrants a fee, We will tell You why We made that decision and provide You with a cost estimate before completing Your request.
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of Our Website that are California residents to request certain information regarding Our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to info@lhfs.com (took me to Google then clicked on Contact Us and got an error-see screenshot below) or write Us at: 1355 Willow Way, Suite 250 Concord, CA 94520.
California Financial Incentive Disclosure
California’s privacy law requires that we notify you if we provide you a program, benefit, or other offering, related to the collection, deletion, or sale of personal information, which it defines as a “financial incentive.” We may offer you certain financial incentives that may result in different prices, rates, or quality levels (for example, contests and referral programs). Through these offerings, consumers provide us with some personal information (e.g., names, emails, phone numbers) when they opt-in to our programs. There is no obligation to opt-in and consumers may opt-out at any time. The details of each program are contained in the program offering. We offer these programs, among other things, to enhance our relationship with you so you can enjoy more of our products/services at a lower price. We invest heavily in our marketing and brands, in part, so we can provide programs to our customers. Consumer data is valuable to our business only when it is combined with a sufficient number of other consumer data and after it is enhanced by our efforts herein described. The value to our business of any individual consumer's personal information is dependent on a number of factors, including, for example, whether and to what extent you take advantage of any offerings, whether and to what extent you opt out of any offerings, and whether we are able to enhance the data through our efforts herein described. Our ability to create any value from the programs is heavily based on our ability to leverage said intellectual properties. We do not calculate the value of consumer data in our accounting statements.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at Our discretion and at any time. When We make changes to this privacy notice, We will post the updated notice on the Website and update the notice’s effective date. Your continued use of Our Website following the posting of changes constitutes Your acceptance of such changes.
Contact Information
If You have any questions or comments about this notice, the ways in which We collect and use Your information described above and in our Privacy Policy, Your choices and rights regarding such use, or wish to exercise Your rights under California law, please do not hesitate to contact Us at:
Postal Address: | |
---|---|
Land Home Financial Services, Inc. Attn: CIO 1355 Willow Way, Suite 250 Concord, California 94520 | Phone: (866) 374-7511 Website: https://lhfs.com Email: PrivacyTeam@lhfs.com |
This web site is offered to the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the web site constitutes your agreement to all terms, conditions, and notices. If you do not agree with these terms, conditions and notices, please do not use Land Home Financial Services, Inc.’s Internet site.
This web site is controlled and operated by Land Home Financial Services, Inc., a California Corporation, from its office in Concord, CA. By accessing this site, you are agreeing to be bound by the Site Terms of Use, all applicable laws and regulations (including export and re-export control laws) and agree that you are responsible for compliance with any applicable state and federal laws. If you do not agree with any of these terms, do not use this site. Any claim relating to this site shall be governed by the laws of the State of California without regard to its conflict of law provisions. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the agreement shall continue in effect.
The materials contained in this site are protected by applicable copyright and trademark law: Copyright © 2024 Land Home Financial Services, Inc. and/or its subsidiaries, 1355 Willow Way, Suite 250, Concord, CA 94520 U.S.A. All rights reserved. Please review the Copyright and Trademarks sections for additional details.
Land Home Financial and other names of Land Home Financial Services, Inc. products and/or services referenced herein are Trademarks or registered Service Marks of Land Home Financial Services, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners.
Acceptance of Terms of Use
By accepting these Terms & Conditions you agree to receive communication by voice, email, and text. You may opt out at any time. To opt out from our text message service, reply to any text message received from Land Home Financial Services with the word STOP from your mobile phone and we will unsubscribe you from our text message service. You will not receive any additional text messages.
Use License
Permission is granted to temporarily download one copy of the materials (information or software) on this site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: (1) modify or copy the materials; (2) use the materials for any commercial purpose, or for any public display (commercial or noncommercial); (3) attempt to decompile or reverse engineer any software contained in this site; (4) remove any copyright or other proprietary notations from the materials; and/or (5) transfer the materials to another person or “mirror” the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Land Home Financial at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Liability Disclaimer
THE MATERIALS IN THIS INTERNET SITE ARE PROVIDED “AS IS.” CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. Land Home FINANCIAL SERVICES, INC. MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND DISCLAIMS AND NEGATES ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. FURTHER, Land Home FINANCIAL SERVICES, INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS ON ITS INTERNET SITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE.
Limitations
IN NO EVENT SHALL Land Home FINANCIAL SERVICES, INC. OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION,) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS Land Home FINANCIAL SERVICES, INC.’S INTERNET SITES, EVEN IF Land Home FINANCIAL SERVICES, INC. OR A Land Home FINANCIAL SERVICES, INC. AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.
Site Terms of Use Modifications
Land Home Financial Services, Inc. may revise these terms of use for its Internet sites at any time without notice. By using this site you are agreeing to be bound by the then current version of these Terms of Use.
Revisions and Errata
The materials appearing Land Home Financial Services, Inc.’s Internet sites could include technical, typographical, or photographic errors. Land Home Financial Services, Inc. does not warrant that any of the materials on its Internet site are accurate or complete. Land Home Financial Services, Inc. may make changes to the materials contained on its site at any time without notice. Land Home Financial, Inc. does not, however, make any commitment to update the materials.
No Professional Advice
The information appearing on this web site and in e-mail alerts is intended solely as general guidance on the guidance of mortgage rates, home purchasing and financing process, and does not constitute legal, tax, accounting or other professional advice. Real estate contracts, closing procedures and disclosures are, in part, guided by state law. Individual situations and state laws vary, and users are encouraged to obtain appropriate advice from qualified professionals in the applicable jurisdictions.
Links and Logos
Land Home Financial Services, Inc. has not reviewed all of the sites linked to its Internet site and is not responsible for the contents of any such linked sites. The inclusion of any link does not imply endorsement by Land Home Financial Services, Inc. of the site. Use of any such linked site is at the user’s own risk. Land Home Financial Services, Inc. encourages links to its Internet site. Any link to Land Home Financial Services, Inc.’s Internet sites from a different site must conform to the following rules:
Other Logos and Graphics
No logos or graphics other than those listed may be used without the prior written approval of Land Home Financial Services, Inc. Any unauthorized use of any materials contained on this site may result in criminal or civil penalties and Land Home Financial will actively seek the recovery of any costs and damages it may incur preventing the misuse or misappropriation of its property.
Copyright
All materials appearing anywhere on this site are protected by worldwide copyright laws and treaty provisions. The copyright on such materials is held by Land Home Financial Services, Inc. None of the materials may be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any form or by any means without Land Home Financial Services, Inc.’s prior written permission. All rights not expressly granted herein are reserved. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.
U.S. Government Rights
United States Government license rights in the materials appearing in this site are limited to those mandatory rights and all other applicable laws and regulations. All other use is prohibited without the prior written approval of Land Home Financial Services, Inc. Use of any of the materials appearing in this site by the Government constitutes acknowledgment and acceptance of Land Home Financials, Inc.’s proprietary rights in the materials.
Trademark
The trademarks, service marks, logos and graphics (the “Trademarks”) appearing on Land Home Financial Services, Inc.’s Internet sites are the registered and unregistered Trademarks of Land Home Financial Service, Inc. Specifically, Microsoft, Windows, Windows NT and the Windows logos are registered trademarks of Microsoft Corporation. Other product names used in this publication are for identification purposes only and may be trademarks of their respective companies. No license or right is granted by implication, Estoppel or any other means to use any Trademark appearing on Land Home Financial Services, Inc.’s Internet sites.
If you are unsure whether a trademark, service mark, logo or graphic not on the list is the property of Land Home Financial Services, Inc. or if you have any questions about the use of Land Home Financial Services, Inc.’s Trademarks please contact a licensed mortgage loan originator at http://www.lhfinancial.com. Land Home Financial Services, Inc. vigilantly enforces its intellectual property rights and will actively seek the recovery of any costs and damages it may incur preventing the misuse or misappropriation of its property.
All rights not expressly granted herein are reserved.
Federal Disclosures
Land Home Financial Services, Inc. will make certain disclosures to you when your completed loan application is submitted. These disclosures (required by the Truth-in-Lending Act and Real Estate Settlement Procedures Act) include, but are not limited to:
State Disclosures
Land Home Financial is licensed in the following states:
Alabama Alaska Arizona Arkansas California Connecticut District of Columbia Florida Georgia Hawaii Idaho Indiana Illinois Iowa Louisiana Kansas Kentucky Maine Maryland Massachusetts | Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Oklahoma Ohio Oregon Pennsylvania Rhode Island South Carolina South Dakota | Tennessee Texas- CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV. Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming |
Each state requires different license disclosures. After submitting your loan application, you will receive a detailed disclosure for the state in which you reside.
Acknowledgment
By submitting a loan application and authorizing Land Home Financial Services, Inc. to proceed with the appraisal and/or credit report, you will be deemed to have read, acknowledged, agreed to, and signed a copy of this disclosure. Should you decide to apply for a loan application using Land Home Financial Services, Inc., you authorize the release of all information required by Land Home Financial Services, Inc. concerning the disposition and status of your loan application.
Please print and keep a copy of these disclosures for your records.