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Lending Services Offered

Which loan is right for me?

Should you opt for a fixed rate mortgage? What should the term be? Do you need a 30 year mortgage or would you be better off with a 15 year mortgage? Whether its looking for home financing or home refinancing, we have you covered.


Land Home Financial Services, Inc.. knows that shopping for a mortgage can be difficult. That’s why we help you through the process. Below is a simple guide that breaks down the differences between fixed rate mortgages and adjustable rate mortgages, and helps you understand which terms will be most beneficial to you.

If you have any questions about our loan offerings or would like to request a quote, please contact us now

Our Services Include:

Residential Purchase money loans and home refinancinge text

Primary, 2nd homes and investment homes

Multi-family

Condos, low-rise, mid-rise and high-rise

Debt consolidation loans

Jumbo loans

FHA 203k rehabilitation loans**

Foreign national loans

FHA*, VA* and USDA** home loans

FHA streamline refinances and VA Irrrl's

Down Payment Assistance Programs: Power Purchase, House to Home Grant, Florida Bond Grant, etc.  

 Medical Doctor Loans

 Non QM, Alternative Lending I.e bank statement loans, 1 day out of foreclosure, etc. 

 *LandHome Financial Services. is an FHA approved lending institution , and is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. 

 **All loans subject to underwriting approval. Certain restrictions apply. Call for details.

Recommended Fixed & Adjustable Rate Mortgage Programs

Term Spent in Home

 Recommended Program

10 years

 30, 20 or 15 year fixed

 7-10 years

 10/1 adjustable or 30 yr. fixed

 5-7 years

 7/1 adjustable or 7/5 Hybrid

 3-5 years

 5/1 adjustable or 5/5 Hybrid

First Time Homebuyer Program

Pros

Cons

Lower down payments

Typically to qualify, you may need to attend a homebuyer education class

Lowered standards for qualification

Some property value and income limitations may apply 

May qualify for lower rates

May have to pay a recapture tax for some of the benefits received