Now Live: CalHFA Refi Options That Open More Doors for California Homeowners

At Kind Lending, we don’t just keep up -  we stay ahead. That’s why we’re expanding our CalHFA program lineup to include refinance options designed to help you qualify more clients, close more loans, and dominate your market.

This latest rollout gives California-based brokers an edge by unlocking fresh opportunities in a shifting rate environment — all while helping homeowners access better terms, more flexibility, and long-overdue financial relief.

What's New? CalHFA Refinance Options Now Available

We’ve expanded our CalHFA offerings to give your borrowers in California more ways to refi and win. Here’s what’s on the table:

• CalHFA FHA Refinance — FICO® down to 640, DTI up to 50%

• CalHFA Conventional Refinance — FICO® down to 680, DTI up to 50%

• CalHFA Dream for All Refinance — FICO® down to 680, DTI up to 50%

Additional Considerations:

• Non-occupant co-borrowers are not permitted

• Eligible for SFR, condos, PUDs, and manufactured homes

• 30-year term only

These aren't cookie-cutter refi solutions. They're strategically designed to help our broker community:  

Assist payment-stressed homeowners with meaningful relief
Serve underserved markets and grow your reach
Spark new conversations with past clients and referral partners

Ready to Level Up?

Want to know what else we’ve got in the pipeline? From state-specific DPA options to niche products that unlock more buyer potential, Kind Lending is here to help you grow.

Connect with your Kind AE today to learn more about our full menu of programs built to expand your reach and boost your volume.

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