RAD FEATURES
Get your CD before your CTC
Easy to transfer appraisals
PIWs accepted
2-4 unit & site condos allowed
Delayed financing & asset depletion available
PRICE & LOCK LIKE A BOSS
Lock 24/7 online in Kwikie
Forward lock ahead of application
Free escrow waivers
Fannie & Freddie priced independently
Manual downgrades – no price adjustments!
Loan Products
The tried and true, bread and butter of loan products. If your customers have solid credit history, this may be the best choice. In addition to lower rate potential, this flexible solution offers a fixed-rate or adjustable-rate mortgage (ARM) financing with a wide variety of term options.
KEY FEATURES:
Options with just 3% down1
Fixed-rate loans with 10- to 30-year terms
Adjustable-rate mortgages (ARMs) with low starter rates available2
Minimum 620 FICO scores
RefiNow™ and Refi Possible® available
HomeReady®, HomeOne™ and Home Possible® available
Offers creditworthy customers the financing they need with the proven processes, commonsense underwriting, and Kind service you expect. Think of your retirees, self-employed, real estate investors, high-net worth borrowers, or those with high DTI....Now fuel their dreams with Spark Non-QM!
Offers creditworthy customers the financing they need with the proven processes, commonsense underwriting, and Kind service you expect. Think of your retirees, self-employed, real estate investors, high-net worth borrowers, or those with high DTI or less than perfect credit… Now fuel their dreams with Spark Non-QM!
Loan amounts up to $3 million
40-year I/O option (plus 15- and 30-year fixed terms6)
Minimum 620 FICO score (Minimum 660 for Bank Statements/Alt/Full Doc)
Use bank statements and/or DSCR for income to qualify
When your borrowers need big bucks, Kind Lending delivers Jumbo loans the way you like them. Up to $3 million fast, with AUS-driven underwriting and fewer overlays!
Loan amounts up to $3 million
Minimum 660 FICO score
Fixed 15- and 30-year terms
ARM options of 7yr/6mo & 10yr/6mo2,7
Jumbo AUS available
Options with no MI
Cash-out available
Delayed financing available
Jumbo Plus Arms - 7 year / 6 months & 10 year / 6 months7
Need a line? We got you at Kind!
Our HELOC Standalone program provides options for your borrowers who wish to consolidate debt or make big purchases, such as renovations, to their home.
I/O during draw period (30yr ARM-10yr draw, 20yr repay)
1st or 2nd lien position (2nd lien up to 50% DTI)
Primary Residence or Second Home
1-4 family, PUD, Condos
REFI - (rate/term and cash out)
For customers who meet agency guidelines, they can add a Symmetry HELOC 2nd to a conventional or high-balance first as a great alternative to jumbo financing. Submit once through Kwikie, then we’ll handle the rest of the process with Symmetry for a simultaneous and simple closing.
Easier to qualify vs. traditional jumbo loans
>80% CLTV available with no MI
Increased flexibility and cash-out options
Blended payment is often lower vs. jumbo loans with similar parameters
With manual underwriting, less restrictions, and often better terms than non-QM offerings, Kind’s Non-Traditional/No FICO loans pave a better future for millions of customers. Do you have buyers without established credit or limited credit history? This might be the ticket!
Manual underwriting (even on FNMA!)
No FICO Score, Non-Traditional Credit8
Purchase loans with high LTVs & CLTVs1
Little to no overlays
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.
2/1 Seller Paid Buydown AvailableNEW
Options with just 3.5% down1
Minimum 580 FICO score
Great for first-time homebuyers
Broader qualification requirements
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.
2/1 Seller Paid Buydown AvailableNEW
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
If your customer is buying or refinancing in a rural area (
click here to check if a property is zoned rural), they 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 required1
Easier credit qualifying guidelines
Seller allowed to help with closing costs
Fixed-rate 30-year loan terms for easier budgeting
KindTPO now offers California Mortgage Brokers Access to CalHFA Programs!
Owning a home is the American Dream, and it's also a big responsibility. KindTPO provides access to CalHFA for our partners and their eligible homebuyers.
