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It's Your Home...It's Your Money
At Land Home Financial Services, we fund the American dream with integrity and passion - one person at a time. We offer advice and direction related to mortgage financing. Our work is designed to fit individual objectives by providing our clients with a Total Cost Analysis to finance their homes & investment properties. Most Americans don't recognize the available options that will maximize their property investments. Many stay with a mortgage, which costs thousands or even millions across the life of the loan. If you’re a first time buyer or a seasoned pro, we will present you with a mortgage plan that should save you the most money in the short and long term.

Unlike a traditional loan officer, our role is helping our clients integrate the optimal loan into their short term and long term plans, potentially lower taxes, improve cash flow, and minimize interest expenses. Your home is likely the most important investment you will ever make. At Land Home Financial Services we take your financial well being seriously.

 Land Home Financial Services - a direct lender/mortgage banker that is licensed in 41 States. Being part of a mortgage banker allows us to offer intelligent underwriting, efficient mortgage approvals, and thoughtfully calculated real estate transactions. Our ever-growing list of satisfied clients includes real people just like you.


Many of our clients were struggling with credit card debt and damaged credit scores, yet we have been able to provide them with solid advice and positive results. Thanks to us they are potentially on their way to financial freedom and a more comfortable retirement because they took action and were able to use their mortgage as an asset rather than a debt.

Maybe you are a very successful person who has nearly paid off your home - congratulations! Now what? Have you properly considered the tax ramifications of this mortgage freedom may cause? Are you currently benefiting from the services of a certified financial planner or a certified public accountant? If not, please allow us to recommend a professional who can offer you insight on various strategies to properly position all of your assets in a financially advantageous way.


Could it be that you are a first time homebuyer apprehensive about entering into the complex world of real estate? Fear not – our referral network of real estate professionals are ready to educate and serve you with passion and integrity. We offer a vast array of lending solutions geared towards first time buyers. These include No Money Down Loans, 100% financing, Down Payment Assistance, FHA financing for less than perfect credit and many more. Give one of our mortgage consultants a call today and discuss how you can STOP renting and start owning a home today!


We are grateful to have you consider us for your mortgage lending needs, and we are delighted by the opportunity of serving you.


Our staff is prepared to carefully and thoughtfully evaluate your specific scenario.
You can count on us to offer a professional, personalized, and effective approach to helping you accomplish these seemingly difficult goals.



Land Home Financial Services
 1355 Willow Wy. Suite #250
Concord, California 94520
Tel: 925-457-0402
 
Email: Lori.espinosa@LHFS.com
NMLS: CA-DOC 249162 Lending States: California


Land Home Financial Services, Inc. (also known as "Land Home" or "Land Home Financial") is an Equal Housing Opportunity Lender. Call your loan officer for details. Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. The information, loan option scenarios, and/or guidelines are for illustrative/marketing purposes only and will vary depending on circumstances, terms may not apply to every situation. Land Home only conducts business in states we are approved to. Land Home Financial Services, Inc. 1355 Willow Way, Suite 250, Concord, CA 94520. NMLS #1796. Licensed by the Department of Business Oversight under the California Finance Lenders law - #6052040. CA Department of Business Oversight - 866-275-2677. California - Bureau of Real Estate Corporation License Endorsement #00988341. Corp. NMLS #1796. www.nmlsconsumeraccess.org
Website Authorization by New York State Department of Financial Services Pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this website.

150Employees

365 Days Worked

100+Happy Clients

150 Clients Added

50+ Awards won