Kind Lending

Basic information

QM program

• Conventional
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• FHA DBA
• VA
• VA IRRRL
• USDA

Loss payee

Kind Lending, LLC, c/o LoanCare, LLC ISAOA/ATIMA, PO Box 202049, Florence, SC 29502-2049

CPL or subordinate clause

Kind Lending, LLC ISAOA/ATIMA, 1920 Main Street Suite 1200, Irvine CA 92614

Lock policies & fees

Lock policies

Lock extension

Lock cut-off: Conventional and Govies and Non-Qm: Midnight Jumbos, Heloc and fixed seconds: 3pm PST Conventional and Govies - 1 day for 0.025 up to 30 days Non QM, Jumbos and seconds are different for each investor. Please contact lockdesk@kindlending.com

Relock

Within 30 days, worse case + 0.125 relock fee. After 30 days its current market (most programs).

Lock & Shop

No

Lender's niche & overlays

Lender's niche

• We do Single-Unit Approval
• Aggressive NOO Conventional Pricing!
• No Ratio No PrePay DSCR!
• No ratio DSCR
• No FICO agency
• Joint VA
• AUS Title Acceptance Waiver for: AZ, CA, CO, FL, GA, KY, IL, IN, MD, MI, MN, NJ, NV, OH, PA, TN, TX, VA.

title acceptance _kw_ja_w_s_02.25.2026.pdf

Lender's overlays

Overlays

Lender turn time

Initial underwrite (days)

2

CTC conditions review (days)

1

Initial CD (days)

1

Reviews