Join the #KindMovement

At Kind Lending, LLC, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They’re the heart and soul of the organization and our “People Before Profits” mentality shines through the entire organization.

Chad Horkan

Chad Horkan

Branch Manager

The Horkan Group at Kind Lending, LLC, consists of experienced mortgage professionals, dedicated to providing our customers with a superior level of personalized service.We take pride in providing informative educational resources and exceptional customer service.  With over 50 combined years in the mortgage industry, we have the knowledge, expertise and skills to help you with any home financing need.  Homeownership is one of the biggest financial investments of your life, and the Horkan Group is here to make sure you're well informed - every step of the way!

Why Kind?

At Kind Lending, LLC, our family of diverse and talented Kind Ambassadors is the driving force behind our new approach to the mortgage experience. They’re the organization's heart and soul, and our “People Before Profits” mentality shines through the entire organization.

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

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 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

Contact

Chad Horkan

If you’re passionate and ready to help some homeowners and buyers, contact me today.

Chad Horkan

chad@horkangroup.com