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  1. FHA Purchase/Rate & Term Refinance to 580

  2. FHA High Balance to 620 FICO

  3. FHA Cash Out With 620 FICO

  4. FHA Streamlines to 580 with no AVM, Mortgage Only Ok

  5. 1 Year Self-Employed with LP AUS still available – Conforming and Super Conforming

  6. Asset Depletion for Income available for all Conforming and High Balance Fixed Rate Products

  7. Jumbo I Product with In-House Underwriting, and Standard Turn Times

  8. Nuisance Condo Litigation – Okay when it meets FNMA guidelines

  1. Conventional and FHA fixed rate products - AUS dictates maximum DTI

  2. Cash out with Delayed Financing, available for Multiple Property Financing

  3. VA IRRL’s:
    660 FICO – No AVM - Unlimited LTV
    620 FICO – 125% LTV / Unlimited CLTV
    580 FICO – 100% LTV / Unlimited CLTV

  4. High Balance VA to 100%

  5. Manufactured Housing okay on most products

  6. ARMs - Fully Amortizing FHA and Conventional

  7. Order your appraisal without delay – no waiting period required

  8. HARP - FHLMC/FNMA - Unlimited LTV/CLTV - Owner, Second Home, Non-Owner & MH Housing
Extensive Line-up of Products - Conforming, High Balance, Direct Agency DU/LP, FHA, VA, USDA, Manufactured Housing, FNMA Multiple Property Financing.
 
     
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March Cut-off Dates
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Purchases:
Docs signed by 3/26/2015
Docs back by 3/27/2015
Fund by 3/31/2015

Wet State Purchases:
Docs signed by 3/31/2015
Fund by 3/31/2015

FHA Streamline & FHA P/O Refi’s:
Sub. Recvd. by 3/09/2015
Docs signed by 3/25/2015
Docs back by 3/26/2015
Fund by 3/30/2015

Conventional Refi’s:
Docs signed by 3/26/2015
Docs back by 3/27/2015
Fund by 3/31/2015

Wet State Refi's:
Docs signed by 3/26/2015
Docs back by 3/30/2015
Fund by 3/31/2015
 

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LHFS Wholesale prides itself on developing quality broker relationships. At LHFSW, we believe that the Broker/Lender relationship is the cornerstone of our industry.

Approved States
 

Are you looking for a mortgage company that can provide loan options across the United States? Look no further, LHFSW provides loans in 47 states and DC.
     

LHFS Wholesale Division
1355 Willow Way, Suite 250
Concord, CA 94520
Phone: 800-398-0865
     


Please note that all information is provided for informational purposes only, for the exclusive use of licensed mortgage professionals, and not for distribution to the general public. This information does not represent an offer or commitment to enter into a loan agreement by Land Home Financial Services Wholesale Division (LHFSW). Not all programs are available in all areas and rates and costs stated do not apply to all loans made. LHFSW’s underwriting guidelines and program restrictions apply. Terms and programs listed are subject to change without notice. LHFSW only conducts business in states approved to. LHFSW is a Division of Land Home Financial Services, Inc. and is an Equal Housing Opportunity Lender. For complete licensing information go to www.nmlsconsumeraccess.org. Corp NMLS #1796. © Land Home Financial Services, Inc. - 2014