Welcome to the #KindMovement

Download the "Why Kind?" Guide
Why Kind?

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!

Conventional

Fannie, Freddie, & Ginnie

Conforming & High Balance ARMs

JUMBO + SPECIALTY

Jumbo loans up to $3M
Jumbo Plus loans up to $2M
Jumbo Plus ARMs 10yr/6mo and 7yr/6mo
Manufactured homes?
YES!

GOVIE  *As low as 580

FHA*
No FICO programs

VA*
Conforming, High Balance & ARMs, VA IRRRLs

USDA*
No credit score overlays
No minimum loan amount overlays

reverse mortgage

HECM for Purchase or Refinance

Full suite of marketing for homebuyers, agents and more!




IN HOUSE NON-QM

Bank Statement Loans
DSCR Investment Loans
Alternate doc programs
Interest-only terms
Foreign nationals allowed
Options with no seasoning on credit


Specialty Programs

CalHFA
ITIN
Foreign National
Expatriate
HELOC Piggyback & Standalone
New programs added frequently, ask me for more details!



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)