Loan Options

CONVENTIONAL LOANS

If you have a solid credit history, this may be your best choice. In addition to lower interest rate potential, this flexible solution offers a choice of fixed-rate or adjustable-rate mortgage (ARM) financing with a wide variety of term options.
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Get Started

KEY FEATURES:

Buy with just 3% down1 if you have a higher FICO score and bank balance
Fixed-rate loans with 10- to 30-year terms
Adjustable-rate mortgages (ARMs) with low starter rates available2,6
Minimum 620 FICO scores

FHA* LOANS

A Federal Housing Administration (FHA) loan is insured by the federal government, which imposes less stringent approval guidelines. First-time buyers like FHA loans, as their family members can supply gift funds to help with closing costs.

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Get Started

KEY FEATURES:

Down payments as low as 3.5%1
Minimum 580 FICO score
Great for first-time homebuyers
Broader qualification requirements
Access to streamline refinancing programs
High-balance loans available in some counties

VA LOANS

Created for servicemembers returning home after WWII, VA loans are for military veterans, active servicemembers, surviving spouses and some reservists. Up to $2 million in funding may be available.

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Get Started

KEY FEATURES:

No down payment required with full entitlement3
Cash-out and streamlined rate-term refinancing
Larger loan amounts available for homes in high-cost areas
Minimum 580 FICO credit score

JUMBO LOANS

Moving up to a bigger home, building a luxury custom, or shopping in a high-cost area? Our Jumbo loan program might be the solution! In addition to owner-occupied homes, we offer Jumbo financing for vacation and investment properties.

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Get Started

KEY FEATURES:

Loan amounts up to $2 million
Minimum 660 FICO score
Fixed-rate 15- and 30-year loan terms
Available for single-family homes and 2-4 unit properties
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Jumbo Plus Arms - 7 year / 6 months & 10 year / 6 months^5,7

USDA LOANS

If you’re buying or refinancing in a rural area (click here to check if a property is zoned rural), you may prefer this loan’s buyer-friendly guidelines. Created for borrowers who may not qualify for conventional loans, USDA loans follow household income restrictions.

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Get Started

KEY FEATURES:

No down payment required4
Easier credit qualifying guidelines
Your home’s seller can help you with closing costs
Fixed-rate, 30-year loan terms for easy budgeting

NON-QM5

Well qualified, and know the ropes? Non-QM might be just the thing for you! All sorts of ways to finance with Kind Lending’s Non-QM specialty income desk!

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Get Started

KEY FEATURES:

“NO Tax Return” programs available
Rental Cashflow Approvals – no buyer income required
Fixed-rate, 40-yr. loan terms, plus interest-only options!⁸

REVERSE9

Are you approaching retirement? We have a special financing tool that can better suit your needs now and in the future: It's called a Home Equity Conversion Mortgage (HECM). You may have more options than you realize!

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Get Started

KEY FEATURES:

Specifically designed for homeowners age 62+
Lump sum or equity line
The funds from your reverse mortgage loan can be used to pay off the existing mortgage on your home and any credit card debt

GSFA OPENDOORS^®️10

Looking to purchase a home and need some help with the down payment and/or closing costs? With the GSFA Opendoors®️ program, homeownership may be just around the corner!

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Get Started

KEY FEATURES:

Financial assistance up to 7%, to use for down payment and/or closing costs
Homebuyer doesn't have to be a first-time homebuyer to qualify
Perfect credit not required. FICO scores as low as 620 can qualify

CalHFA^®️

The California Housing Agency program supports the needs of homebuyers by providing home loan programs that create safe, decent and affordable housing opportunities.
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Get Started

KEY FEATURES:

CalPlus, MyHome, and Zip down payment assistance programs.
Conventional, FHA & USDA options
Forgivable Equity Builder Program

BUYDOWN OPTIONS NOW AVAILABLE!

Buydown options is a type of financing where the buyer or seller pays discount points to reduce the interest rate on a loan. Buydowns make it easier to manage payments in a high interest rate environment.
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Get Started

KEY FEATURES:

3-2-1 Buydown Options
2-1 Buydown Options
1-0 Buydown Options

(Available for FHA, FNMA, and VA Loans)

*Kind Lending, LLC is an FHA Approved Lending Institution and is not acting on behalf of, or at the direction of HUD/FHA or the federal government.

1Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment.
2ARM Loans-interest rate will increase over the term of the loan which will increase the monthly payment.
3VA loans do not need mortgage insurance but do require a one-time VA Funding Fee. Full entitlement is the dollar amount the VA will guarantee for a VA loan. This helps us determine how much a veteran can borrow without a down payment.
4USDA Loans require a one-time up-front guarantee fee, and an annual fee (collected monthly) which will increase the monthly payment.
5Non-QM Loans may have higher and / or additional fees when compared to other loan products.
⁶Depending on the starter rate, the first payment after the introductory period may be a substantial increase.
⁷The introductory interest rate does not change during the initial term, then converts to an adjustable rate which changes every 6 months.
⁸10-year interest only and then amortizes at the same fixed rate over the remaining 30 years. This will cause the loan payment to increase substantially at the start of the amortization period.
⁹Reverse Mortgage: Kind Lending will broker reverse mortgage loan applications to Reverse Mortgage Funding.
¹⁰GSFA OpenDoors^®️: Kind Lending is a participating lender with Golden State Finance Authority and is not associated or affiliated in any manner. Golden StateFinance Authority (GSFA) is a duly constituted public entity and agency.

loan options

Moving up? Refinancing? First home? We've got you covered.

CONVENTIONAL LOANS

KEY FEATURES:

FHA* LOANS

KEY FEATURES:

VA LOANS

KEY FEATURES:

JUMBO LOANS

KEY FEATURES:

USDA LOANS

KEY FEATURES:

NON-QM5

KEY FEATURES:

REVERSE9

KEY FEATURES:

GSFA OPENDOORS^®️10

KEY FEATURES:

CalHFA^®️

KEY FEATURES:

BUYDOWN OPTIONS NOW AVAILABLE!

KEY FEATURES:

we lend in the following states

ready to get started?

loan options

Moving up? Refinancing? First home? We've got you covered.

CONVENTIONAL LOANS

KEY FEATURES:

FHA* LOANS

KEY FEATURES:

VA LOANS

KEY FEATURES:

JUMBO LOANS

KEY FEATURES:

USDA LOANS

KEY FEATURES:

NON-QM5

KEY FEATURES:

REVERSE9

KEY FEATURES:

GSFA OPENDOORS®️10

KEY FEATURES:

CalHFA®️

KEY FEATURES:

BUYDOWN OPTIONS NOW AVAILABLE!

KEY FEATURES:

we lend in the following states

ready to get started?

GSFA OPENDOORS^®️10

CalHFA^®️