Lisa Cline Davis, Kind Lending Wholesale AE

12/18/2025

Hey MLO's, Kind Lending TPO has ARIVED !!! Want more info on how we can help make your origination process simpler, reach out. I'm here to help!

02/09/2023

Mortgage Minute: What is "OTC" ?

OTC stands for One Time Close.

It is a construction loan where you can build a home from scratch or do a remodel. You can use it for a primary residence, second home or even an investment property.

The contractor / vendors are paid throughout the process. Your loan payments are usually interest-only and for only the amount used to that point keeping the payment low for you during the process.

When the home is complete, the loan converts to a "regular" loan without having to refinance which is why they call it a One Time Close.

This type of loan is best for the larger endeavors and requires the use of a General Contractor to oversee the project. You cannot do any of the work yourself. There are other types of loans if you are the handy one or have have smaller projects. Manufactured homes also require a different kind of loan.

Questions? PM me or call the office 480-999-2939

05/11/2022

Just a reminder I sell money for a living. ;)
Got a mortgage question? Need something "outside the box"?

Investor looking for qualifying off of the subject property's future income? Got it. ✅

Self-employed looking to use bank statements not returns? Got it. ✅

Need cash-out for improvements for your home? Or even a construction loan? Got it. ✅

At "that age" and want to use your equity to pay for your retirement? Got it. ✅

If there's something I don't have, I probably know who does.

These are not the "free money" loans of the early 2000's, but we do have some flexibility again for logical lending. Let's chat. DM me.

12/30/2021

November Market summary for Phoenix Arizona.

A monthly video email that gives housing statistics by geographical area.

12/27/2021

Countdown to 2022 !!! I for one am so looking forward to getting out of 2021.

If you are like me, you have big plans for the coming year. If one of those things includes buying a new home or maybe upgrading your home to make it the way you want, let's chat!!!

I have a myriad of mortgage programs available from the typical "easy" couple of paystubs or maybe you are self-employed and need something more creative like just looking at your bank statements. Thinking of buying investment property? I have great programs for that as well.

Give me a DM or call my office at 480-999-2939 and we can discuss your options.

Here's to an amazing and fresh New Year!

Bringing Kindness to Mortgage Brokers across the US.

12/01/2021

Hi All in Phoenix Arizona:
Just a reminder that if you have been impacted by the C19 events that have affected your ability to pay rent, the City of Phoenix still has resources to assist. You can call 602-534-2433 or go online to
Wildfireaz(dot)org/PHXERA

Guidelines are at Phoenix(dot)gov/RentHelp.

08/31/2021

Self-employed? We have financing options for refinancing and/purchasing a new home. 480-999-2939

05/24/2021

Frustrated you can't buy your dream home right now with the market so crazy? How about MAKING your current home into a dream home? You can with our Renovation Loan Options. From minor changes such as roof repair, new flooring and appliances or adding a bathroom and remodeling the kitchen, financing may be available to you. Loans are based on the future value of your home after the improvements. Message me to discuss how these reno loans may help you.

12/29/2020

This rare 5 bed 3 bath home is just about ready for a new family. 2 bedrooms and bathrooms on lower level including master , 3 bedrooms up stairs with a full bathroom, tile and newer carpet thru-out, home has recently been painted inside and out, . granite counters. This home offers one of the large...

12/28/2020

Very special home in the sought after Upland Park!!! Built in 2002, this newer home features 3 bedrooms and 2 bathrooms and new high-end vinyl flooring in all of the high traffic areas. The backyard was recently re-done by a professional landscaper. Extended patio has nice pavers and artificial turf...