Traditional loans can feel like a one-size-fits-all approach. But what if your financial situation doesn't fit the mold? At Kind Lending, we believe everyone deserves a chance to achieve their dream of homeownership. That's why we're excited to introduce Kind Non-QM, a revolutionary suite of mortgage programs designed for homebuyers with unique financial profiles
Competitive Rates: We've secured competitive rates to ensure affordability and help you get the best possible deal.
Extensive Program Lineup: Our robust library of Non-QM programs provide flexibility and options to ensure you ae matched with the best program for your needs.
Alternative Documentation (Alt-Doc): programs allows buyers to provide alternative documentation for proof of income to highlight the ability to pay for a mortgage.
Debt Service Coverage Ratio (DSCR): program assist investors by permitting untraditional income sources for investment purchases.
Professional Support: Our dedicated Loan Officers will present all applicable options to your financial situation, so you feel confident in your decision, as well as guide you through the homebuying process.
FHA 100+ % Down Payment Assistance Program Available at Kind Lending! Homebuyers can boost their financing options with Kind Lending's National FHA 100% Down Payment Assistance (DPA) program. Available in 47 States! **
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. FHA charges a one-time upfront mortgage insurance premium which can be financed as part of the loan. Program not available in New York, Massachusetts, and Washington. Refer to Kind Lending Guidelines, or connect with your Kind AE for details
Min. 600 FICO (Manual Underwrite to 45% DTI with 660 FICO)
100% FHA Downpayment Assistance on Purchase only
First Lien is FHA 30-year Fixed up to 96.5% LTV
Standard and High Balance Loan Amounts
Manufactured Home & Condo eligible
2-1 Buydown Options Available
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.
Buy with just 3% down1 if you have a higher FICO score and bank balance
Fixed-rate loans with 10- to 30-year terms
HomeReady®, HomeOne™ and Home Possible®
Minimum 620 FICO scores
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.
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
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.
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
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.
Loan amounts up to $3 million
Minimum 660 FICO score
Fixed-rate 15- and 30-year loan terms
Available for single-family homes and 2-4 unit properties
Jumbo Plus Arms - 7 year / 6 months & 10 year / 6 months5,7
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.
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
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!
The Golden State Finance Authority (GSFA) provides financial assistance up to 5% of the Loan Amount, to qualifying homebuyers in conjunction with FHA, VA or USDA First mortgage loans.
No first-time homebuyer requirements
Down payment and closing cost assistance up to 5%
Perfect credit not required. FICO scores as low as 620 can qualify
The California Housing Agency program supports the needs of homebuyers by providing home loan programs that create safe, decent and affordable housing opportunities.
CalPlus, MyHome, and Zip down payment assistance programs.
Conventional, FHA & USDA options
Forgivable Equity Builder Program
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.
