Fixed Assets
Driving Impact Through Affordable Housing Investments
The Capital Partner Program from Land Home Financial Services is a fixed-income investment platform backed by high-quality affordable housing loans. It enables financial institutions to earn competitive yields, diversify balance sheet exposure, and support community development goals within a controlled and transparent risk framework.
Our program offers flexible participation structures, including first-loss partnerships, allowing institutions to select the level of risk and return that aligns with their investment strategy. Designed to integrate seamlessly into existing balance sheet management practices, it minimizes operational and regulatory workload for participating institutions.
Why Partner With Us?
Partnering with us means aligning with a program that delivers measurable impact and consistent returns while supporting your CRA, CDFI, ESG, and CECL mandates. Here's what makes us different:
High-Yield Performance
Earn 300–400 basis points above Treasuries with predictable, fixed-income returns.
Built-In Risk Protection
Structured loan loss reserves and full servicing reduce operational burden and mitigate risk.
Turnkey Integration
Our platform is designed for ease of adoption, minimizing compliance and reporting challenges.
Impact-Driven Investment
Support affordable housing initiatives and strengthen your institution's community development goals.
Portfolio Diversification
Access low-correlation, asset-backed alternatives to traditional fixed-income products.
What We Offer
High-Yield, Fixed-Income Opportunity
We handle payment processing, customer service, and default management so you can focus on origination and growth.
Built-In Risk Protection
Our 20% First-Loss Recourse and reserve-based structures provide significant credit risk mitigation — designed to protect institutional capital while still delivering strong returns.
Turnkey Platform – No Operational Burden
Fully managed loan lifecycle including origination, servicing, compliance, and reporting with no new infrastructure, staff, or systems required; only capital allocation and oversight.
Proven National Servicing and Compliance Infrastructure
With over 30 years of mortgage and asset servicing expertise, we are a trusted, audited, and compliant partner for Financial Institutions (FI’s). As an approved seller/servicer with Fannie Mae, Freddie Mac, and Ginnie Mae and a servicing partner for leading investors, we deliver transparent performance reporting and advanced analytics to strengthen your success.
ESG, CRA, and CECL Alignment
Homeownership and community lending initiatives are powerful strategies for advancing social impact. They enable Financial Institutions (FIs) to meet regulatory requirements while delivering measurable benefits to communities, making them an ideal approach for credit unions, regional banks, and mission-driven funds committed to strengthening local economies.
Diversification Benefits
Affordable housing loans offer Financial Institutions (FIs) a unique opportunity to diversify portfolios and reduce concentration risk. These loans provide a steady, asset-backed return stream with low correlation to broader credit and equity markets, remaining resilient and uncorrelated with conventional mortgage cycles.
Growing and Underserved Market
The affordable housing market is growing at 6.5% annually, yet remains underfinanced, creating strong supply-demand fundamentals. For Financial Institutions (FI’s), LHFS offers a unique first-mover advantage through an institutionalized, scalable investment channel that unlocks growth and impact.
Ready to Elevate Your Servicing?
See the difference, schedule your demo today!
Subservicing@LHFS.com
(855) 380-8761