Licenses, Privacy Notice & Disclosures

Licenses

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:

Privacy Notice

Privacy Policy

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:

• Setting policies and procedures for carefully handling your information.
• Limiting physical access to central facilities through the use of security systems.
• Requiring third-party business partners that do business with Land Home Financial to contractually agree to comply with privacy laws.
• Auditing company security practices.

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:

• From applications: Supporting documents and other data (such as your phone, Social Security and account numbers, assets, income and employment history).
• Transactions: Such as your loan balance, payment history and other account information.
• Credit Report: From a credit reporting agency (such as your credit worthiness and credit history).
• Other Third-Party Business Partners, Vendors and Service companies: Such as a property appraisal, purchase contract or membership number.

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.

Privacy Notice for California Residents and GDPR Compliance

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

“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.

Information We Collect

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:

Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated Consumer information.
• Information excluded from the CCPA’s scope, like:
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from You. For example, from forms You complete or products and services You purchase.
• Indirectly from You. For example, from observing Your actions on Our Website.
• Automatically from You. As You navigate through the website, information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

Use of Personal Information

We may use, sell, or disclose the personal information We collect for one or more of the following business purposes:

• To fulfill or meet the reason You provided the information. For example, if You share Your name and contact information to request a price quote or ask a question about Our products or services, We will use that personal information to respond to Your inquiry. If You provide Your personal information to purchase a product or service, We will use that information to process Your payment and facilitate delivery. We may also save Your information to facilitate new product orders or process returns.
• To provide, support, personalize, and develop Our Website, products, and services.
• To create, maintain, customize, and secure Your account with Us.
• To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve Our responses.
• To personalize Your Website experience and to deliver content and product and service offerings relevant to Your interests, including targeted offers and ads through Our Website, third-party sites, and via email or text message (with Your consent, where required by law).

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.

• Note that We may process Your personal data for more than one lawful ground depending on the specific purpose for which We are using your data. Please contact Us if You need details about the specific legal ground We are relying on to process Your personal data where more than one ground has been set out in the following table:

• To help maintain the safety, security, and integrity of Our Website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve Our Website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to You when collecting Your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Us about Our Website users is among the assets transferred.

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:

• Service providers.
• Data aggregators.

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:

• Service providers.
• Data aggregators.

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:

• Service providers.
• Data aggregators.

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:

• We will only transfer Your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission.
• Where We use certain service providers, We may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.
• Where We use providers based in the US, We may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between Europe and the US.

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:

• The categories of personal information We collected about You.
• The categories of sources for the personal information We collected about You.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom We share that personal information.
• The specific pieces of personal information We collected about You (also called a data portability request).
• If We sold or disclosed Your personal information for a business purpose, two separate lists disclosing:
• sales, identifying the personal information categories that each category of recipient purchased; and
• disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

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:

1. Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of Our ongoing business relationship with You, or otherwise perform Our contract with You.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another Consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if You previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with Consumer expectations based on Your relationship with Us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which You provided it.

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:

• Calling Us at (866) 374-7511(waited on hold for over 20 minutes-see screenshot below) (toll-free number on landing page is 800-672-9470-should we use this?)
• Visiting our Data Removal Request Form (neither info request and data deletion never confirmed by email)

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:

• Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative.
• Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it.

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:

• Deny You goods or services.
• Charge You different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide You a different level or quality of goods or services.
• Suggest that You may receive a different price or rate for goods or services or a different level or quality of goods or services.

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:

• Call us: (800) 672-9470
• Contact us: marketinglegal@LHFS.com

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:

Disclosures

Terms & Conditions

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:

1. Unless Land Home Financial Services, Inc. provides you with prior authorization in writing, any link to this site must use logos, which are protected by trademark law. Land Home Financial Services, Inc. grants you a limited license to use these logos but does not transfer title in these logos to you.
2. You may not use the logos to imply sponsorship or endorsement of your web site without receiving the prior written permission of Land Home Financial Services, Inc.
3. You may not alter the logos in any way, including proportions or colors and may not animate or morph the logos to change appearance.
4. You may not use the logo on any site, which, in Land Home Financial Services, Inc.’s sole discretion, disparages Land Home Financial Services, Inc. or its products or services.
5. The logos may only be used on web pages, which, in Land Home Financial Services, Inc.’s sole discretion, make accurate reference to the site or its products and/or services. The logo must be placed on the same page as the reference to Land Home Financial Services, Inc. and as close to the reference as feasible.
6. Land Home Financial Services, Inc. may, in its sole discretion, terminate your right to use its logos at any time. Land Home Financial Services, Inc. may take action against any use of the logos that does not conform to these policies or that infringes any right held by Land Home Financial Services, Inc., and will actively seek the recovery of any costs it may incur preventing any such misuse or damages that may result from such misuse.

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:

• Credit Cost Disclosures
• Good Faith Estimate of Settlement Costs or Loan Estimates.
• The CFBP Home Toolkit, developed by the Consumer Financial Protection Bureau
• Disclosures about the possibility that your mortgage loan servicing may be transferred. (This explains the possibility that your loan could be sold by your original lender to another lender.)
• ECOA – Fair Housing Notice

State Disclosures

Land Home Financial is licensed in the following states:

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.