Welcome to 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.

Patrick Pennington

Patrick Pennington

Western Vice President of Retail

After graduating from Soquel High School, Patrick set out on a search to find a career that he would love. In 1990 he found his passion in helping people achieve their dreams of owning their own home. He began his journey through the financial world learning everything there was to know about home loans so he could do more to help his clients.

Patrick realized early on that there were a lot of loans that could have happened if someone had spent a little more time on them. He decided to be that person and began paying more attention to the minor details. As it turned out this would rocket him into a top position in the lending industry. He quickly became the man who everyone called if they wanted their loans to succeed.

Patrick is known for his great sense of humor, his family values, and his ability to get the job done. He has 6 kids ranging from 18 years old to 27 years old. He enjoys traveling the world with them and taking time to appreciate the natural beauty in the world. Something that many people do not know about Patrick is that he loves animals and has a plethora of pets in his home.

In July of 2016 Patrick advanced his career by accepting a branch manager position at Stearns Lending, LLC. (NMLS# 1854) where he became the leader of an amazing team. He worked with them to help each of them expand their horizons.

In 2020 Patrick took on the role of Western Division Sales Vice President at Kind Lending where he has worked to build a retail division full of fun loan officers and a work environment that is envied in the industry. He has earned the respect of the team. He is known for having created a stress-free work environment where each employee can be themselves and produce quality loans.

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

Patrick Pennington

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

Patrick Pennington

ppennington@kindlending.com
714.844.8147 (direct)