Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Kind Holdings, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a mortgage loan originated by Kind Lending for a property located at XXXX XXXX XXXX XXXX XXXX XXXX ( Loan No. XXXX ). This complaint involves a failure to properly satisfy a required FHA appraisal condition prior to closing, resulting in ongoing structural property damage. The FHA appraisal for this transaction explicitly required roof repairs and a XXXX roof certification for the bonus/storage areas of the property due to observed damage, including ceiling damage and mold. However, instead of obtaining a valid XXXX roof certification, the lender accepted a document described as a roof report, which merely stated that the roof had an estimated remaining useful life of up to XXXX years. This document does not constitute a certification, warranty, or guarantee and does not satisfy the appraisal requirement. Despite this, the loan was approved and closed. Within approximately XXXX months of occupancy, the roof began actively leaking. The condition has since worsened significantly and now includes : Active water intrusion through the roof Visible daylight through portions of the roof decking Ceiling and XXXX XXXX XXXX XXXX into adjoining structural areas Ongoing and worsening interior damage I have provided photographic documentation showing active leaks during rainfall and structural exposure. This is not a case of normal wear and tear. The damage is directly related to the roof areas identified in the appraisal and indicates that the required repairs and certification were not properly completed or verified prior to closing. What I want I am requesting that Kind Lending : XXXX. Acknowledge that the documentation accepted at closing did not satisfy the FHA appraisal requirement for a XXXX roof certification XXXX. Conduct a proper internal review of the loan file and underwriting decision XXXX. Provide a clear resolution regarding responsibility for the resulting property damage XXXX. Assist in facilitating appropriate remediation of the roof and associated damage XXXX. Provide a written determination of responsibility and a timeline for resolution Why this is wrong Kind Lending has stated in writing that they relied on documentation in the loan file and consider the appraisal condition satisfied. However, the documentation accepted does not meet the requirement specified in the appraisal. This represents a failure in the loan approval and underwriting process, where a required condition was not properly fulfilled prior to closing. Additionally, the lender is attempting to characterize this as a post-closing issue, despite the fact that : The damage was identified in the appraisal prior to closing The required certification was not properly obtained The current damage is directly related to the same areas identified in the appraisal Supporting documentation I have provided : FHA appraisal repair requirements Appraisal photos showing pre-existing damage Roof report submitted prior to closing Invoice for repairs with unclear contractor legitimacy Current photographic evidence of active roof failure and water intrusion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation