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Emails from any other domain should be treated as suspicious and may be phishing attempts.

"At Kind, our people are the driving force behind our new approach to the mortgage experience."

Glenn Stearns, CEO & Founder

Join the Kind Movement today!

We have several positions open.

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Why Kind?

Powerful Product Mix

With continued focus on expanding our offering!

NON-QM

KEY FEATURES:

  • Competitive Pricing Advantage: Access a suite of Non-QM programs backed by consistently competitive rates—giving you the tools to win more business and deliver standout value.
  • Wide-Ranging Product Suite: From bank statement loans to investor-focused solutions, our diverse Non-QM lineup empowers you to serve a broader range of clients with confidence and flexibility.
  • Alternative Documentation Options: Help more borrowers qualify with Alt-Doc programs that support bank statements, 1099s, asset utilization, and more—because not every qualified buyer fits in a traditional box.
  • Debt Service Coverage Ratio (DSCR): Tap into the investor market with programs that allow qualification based on property cash flow, not personal income.

NATIONAL DPA

KEY FEATURES:

  • 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

CONVENTIONAL

KEY FEATURES:

  • 3% down1 options for well-qualified borrowers
  • Fixed-rate terms from 10 to 30 years
  • HomeReady®, HomeOne™ and Home Possible® programs
  • Minimum 620 FICO

FHA* LOANS

KEY FEATURES:

  • Down payments as low as 3.5%1
  • Minimum 580 FICO score
  • Access to streamline refinancing programs
  • High-balance loans available in some counties

VA LOANS

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

KEY FEATURES:

  • 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

USDA LOANS

KEY FEATURES:

  • No down payment required4
  • Easier credit qualifying guidelines
  • Fixed-rate, 30-year loan terms for easy budgeting

REVERSE9

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 GOLDEN OPPORTUNITIES Ⓡ 10

KEY FEATURES:

  • No first-time homebuyer requirements
  • Down payment and closing cost assistance up to 5%
  • FICOⓇ scores as low as 620 can qualify

CalHFA Ⓡ

KEY FEATURES:

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

BUYDOWN OPTIONS NOW AVAILABLE!

KEY FEATURES:

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


    (Available for FHA, FNMA, FHLMC, and VA Loans)

MORE OPTIONS!

KEY PROGRAMS:

  • Bond Programs: IHDA, MHFA, TSHAC, WHEDA
  • HELOCs and Closed End Seconds
  • 1 X Close Construction

Want to learn more about our extensive product list?

Click here
  • *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 (FAR) Finance of America Reverse.
  • 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.

Operations Philosophy

QUICK & ACCURATE
Boutique, individualized support, when you need it most!

Best-in-Class Technology

Kind Lending, LLC continues to invest in cutting-edge and innovative tools for our originators to extend seamless home buying experiences to their agents and clients.

KIND CREATIVE Marketing

From full creative branding support to outside-the-box campaign ideas, marketing takes Kind to the next level.

At “KIND CREATIVE”, our team of award-winning marketers are pushing the limits, breaking down barriers, and providing game-changing experiences for loan officers to build their pipeline!

EMAIL
You’ll have Surefire to handle emails to borrowers and keep your nurture campaigns going strong.
‍
DIGITAL
Corporate website, Yext LO websites, video, powerful SEO and social media support.

PRINT
Flyers, decks, brochures, banners, business cards, postcards, and anything else you can think of.

EVENTS & SPONSORSHIPS
Our Plug and Play kits

EMAIL
You’ll have Candid to handle emails to borrowers and keep your nurture campaigns going strong.
‍
DIGITAL
Corporate website, LO websites, video, powerful SEO, and social media support.

PRINT
Flyers, decks, brochures, banners, business cards, postcards, and anything else you can think of.

EVENTS & SPONSORSHIPS
Our Plug and Play kits

1920 Main Street, Suite 1200
Irvine, CA 92614
NMLS# 3925
1-888-250-5463
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©2026 | Kind Lending, LLC | NMLS #3925 | For all Kind Lending licensing: http://nmlsconsumeraccess.org/ | 1920 Main Street, Suite 1200, Irvine, CA 92614 | (888) 250-5463 | Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act; Hawaii Mortgage Loan Originator Company License HI-3925; Licensed by the NJ Department of Banking and Insurance. AZ Banker License 0943427. MA Mortgage Banker License #MC3925. All Rights Reserved.