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.
Scott Sharp
VP Retail Enterprise
Are you ready to learn more about the amazing opportunities at the fastest growing mortgage lender in America? Contact me today.
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
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
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
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
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
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
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
No down payment required4
Easier credit qualifying guidelines
Fixed-rate, 30-year loan terms for easy budgeting
GSFA GOLDEN OPPORTUNITIES Ⓡ 10
No first-time homebuyer requirements
Down payment and closing cost assistance up to 5%
FICOⓇ scores as low as 620 can qualify
CalHFA Ⓡ
CalPlus, MyHome, and Zip down payment assistance programs.
Conventional, FHA & USDA options
Forgivable Equity Builder Program
BUYDOWN OPTIONS NOW AVAILABLE!
MORE OPTIONS!
Bond Programs: IHDA, MHFA, TSHAC, WHEDA
HELOCs and Closed End Seconds
1 X Close Construction
Want to learn more about our extensive product list?
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
Scott Sharp
If you’re passionate and ready to help some homeowners and buyers, contact me today.
Scott Sharp
SSharp@kindlending.com
(864) 420-1885
