loan options

Moving up? Refinancing? First home? Kind can help you!

You want a loan that’s the best fit with your finances, and that’s what we want for you. Our kind approach includes going over all your options with you, and sticking to everyday language instead of bank-speak.

While you won’t be tested on these later, below are details about our main loan options.
Get a Purchase LoanRefinance My Home


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.
  • Expert 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.


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
  • Adjustable-rate mortgages (ARMs) with low starter rates available2,6
  • 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 $2 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!


  • 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


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!


  • 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


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.


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

    (Available for FHA, FNMA, and VA Loans)

we lend in the following states