Land Home Financial Services, Inc. - Concord (CA)

2 /5 Briana Faris: I loved our loan officer, Brian and he was really the only saving grace. Having my loan serviced by land home financial has been really exhausting. Every phone call with these people has been a rollercoaster. Between failure to follow through, to inaccurate information provided by reps, I’m absolutely shocked they’re in business. I have spent over $150 in postage alone because they’re too cheap to pay for labels and we’ve sent the same insurance checks back and forth 6 times. I have more than one open issue with them that has yet to be acknowledged, let alone resolved. Even down to the basic application of payments, they’ve failed massively. Even to this day my loan has been satisfied for over a month and I’m yet to receive a satisfaction letter. I’m currently on hold with them for 40 minutes and haven’t spoken to a person. This isn’t even the first time. If you’re considering LHFS so you can have the small business, customer service experience, I beg you to look elsewhere. While the loan officer we worked with it was absolutely amazing, it simply did not translate to servicing. Commitment after commitment and deadline after deadline were missed, without as little as good customer service to make up for it. I liked our loan officer so much that I strongly considered holding back on writing this, but my experience was so bad that it felt unethical to hold back.

1 /5 Barbara Arquaz: If I could give zero stars, I would. This has been one of the most stressful and frustrating experiences of my life. Dealing with LAND HOME FINANCIAL SERVICES, THINK TRIO, and TRIO has been a nightmare from start to finish. My main point of contact was Guy Ramey, the Vice President of Loan Servicing - Default Escalations. Aside from him, their customer service was absolutely terrible and unresponsive. When I decided to pay off my loan, it took almost a month for them to send me a payoff statement — even though my monthly statement clearly said a payoff would be processed next-day for $50 or free within three business days. This unnecessary delay forced me to involve an attorney just to get basic information. Even worse, my attorney had to step in and demand that they send a deed because no title company wanted to issue title insurance for them — which says a lot about how problematic they are. After jumping through all these hoops and finally paying everything they claimed I owed on March 17th, they are still holding my escrow money hostage. I paid over $1,100 per month into escrow for taxes, insurance, and PMI — yet they never provided an itemized statement showing how much was actually paid, and I still have not received my escrow refund. I’ve called, emailed, and my attorney has followed up multiple times — and STILL nothing. This company and its loan programs are a huge scam. They push these wrap-around loan programs with hidden traps and shady practices. By the time I realized what I was locked into, it was too late to back out — thanks to the incompetent broker who put me in this mess. If you value your money, time, and sanity, STAY FAR AWAY from LAND HOME FINANCIAL SERVICES, THINK TRIO, and TRIO. Learn from my nightmare: do your research and avoid them at all costs!

5 /5 Lady D: My gratitude to you and your entire team for the exceptional services you have provided me as a lender. Professionalism, expertise, and exceptional customer service have made my experience truly remarkable. From the very beginning, Craig demonstrated an understanding of my financial needs and was able to offer me tailored solutions that matched my requirements. Craig provided me with insights and guidance, helping me make well-informed decisions. The promptness in processing my application and keeping me updated on the progress is noteworthy to mention and appreciated. The willingness to answer all my questions patiently gave me confidence throughout the process. Craig went above and beyond to ensure that my needs were met with flexibility in accommodating my requests with a proactive approach in finding the best possible terms and conditions providing exceptional service. THANK YOU for your professionalism, integrity, and commitment to excellence. Your efforts have not only made my borrowing experience seamless but have also instilled in me a sense of trust and confidence in your company. I will not hesitate to recommend your services to my family, friends, and colleagues. Your outstanding commitment to customer satisfaction sets you apart, and I am truly grateful for the opportunity to work with you. I look forward to any future collaborations. Wishing you continued success and prosperity.

5 /5 Ryan Jewell: I trust Dave and his team and feel like they got us a great rate. He is very experienced. The process was fast and easy. We ended up with the same deal and rate he initially promised (Ive had the details change last minute when I worked with other companies). In addition, unexpectedly he paid some of the fees for us. We are a repeat customer and they did a great job!

5 /5 Sara Peacock: Derek was referred to us by a friend after we weren’t happy with the Credit Union we were using and I’m so glad we made the decision to go through him. He is everything we could’ve asked for in a lender. He was great to work with. He is super knowledgeable, professional, quick to respond, & was very helpful throughout the entire process. I highly recommend him to anyone looking to purchase a home & will definitely use him in the future again.