Break the Fixed Mindset: Why ARMs Are Back (And Better Than Ever)

For years, adjustable-rate mortgages have been a product many brokers avoided. But here's the reality: the market has changed, your clients' needs have evolved, and ARMs are no longer the risk they once were.

At Kind Lending, we're launching our comprehensive FNMA ARM portfolio because we listen. We watch the economy. We understand that affordability is the biggest barrier your clients face and we're giving you the tools to solve it.

Why ARMs Win in Today's Market

With recent Fed rate cuts, adjustable-rate mortgage products offer something fixed rates simply can't: flexibility and immediate savings. Lower initial rates mean better affordability, larger qualifying loan amounts, and more opportunities for brokers to close deals that would otherwise fall through.

Three Programs. Endless Opportunities.

At Kind, we’re offering three ARM solutions designed to fit today’s market:

5/6 & 7/6 ARM & High Balance ARM
• Up to 95% LTV
• Minimum FICO® 620
• 1–4 Units, PUDs, Condos
• Primary, Second, and Investment properties

5/6 & 7/6 Texas Cash-Out ARM  
• Up to 80% LTV
• Minimum FICO® 620
• Primary residence only

Expand Your Opportunities With ARMs

Your clients want flexibility, affordability, and smarter options and now you can deliver.

Reach out to your Kind Lending AE today to learn more about our ARM programs.

Not a preferred partner yet? Complete our short registration form and discover why brokers choose Kind for wholesale solutions that adapt to the market.

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