Kin launches home financing in Florida, introducing new options for residents seeking low mortgage rates and accessible lending solutions. The digital home insurance provider now offers a range of home financing services, aiming to simplify the process for Florida homeowners. As the Florida real estate market attracts homebuyers from major metros, these new financing options could prove especially timely for those looking to settle in the state.
Kin Home Financing Debuts in Florida
Kin Insurance, Inc., a direct-to-consumer digital home insurance company, has expanded its services to include home financing in Florida. The company announced the launch on October 21, 2025, marking its first entry into the mortgage and home equity market in the state.
According to Kin, the new offerings include mortgage loans, home equity loans, home equity lines of credit (HELOCs), and refinancing solutions. These services are designed to help Floridians secure competitive rates and access home equity with greater ease, reflecting recent market updates showing active listings exceeding pre-pandemic levels in several regions.
Home Financing Options Now Available
Kin’s home financing in Florida provides several options for both new and existing homeowners. The company acts as a broker, using a network of lending partners to offer Kin-exclusive rates. This approach aims to reduce overall loan costs and streamline the application process.
- Mortgage Loans: For residents purchasing a new home
- Refinancing: For those seeking to lower their existing mortgage rate or change loan terms
- Home Equity Loans: Lump-sum loans using home equity as collateral
- HELOCs: Flexible credit lines based on home equity
Kin reports that licensed mortgage loan originators provide hands-on support, helping customers understand their options and select the best fit for their financial goals.
Focus on Lower Rates and Accessibility
According to Kin, the company is taking a different approach from traditional mortgage brokerages. Instead of charging standard commissions, Kin states it takes a smaller fee, which may result in lower annual percentage rates (APR) for borrowers.
Sean Harper, Kin Founder and CEO, said, “We want homeownership to be — and stay — affordable and accessible.” Harper emphasized that Kin’s goal is to build long-term relationships by offering services that homeowners need and value.
Serving Florida’s Homeowners
Kin’s expansion comes as many Florida homeowners have built substantial equity in their properties. According to a Federal Reserve Bank of New York report, nearly half of U.S. homeowners secured low mortgage rates during the 2020-2021 refinance period. However, many are now hesitant to refinance at higher rates, even as home values rise.
For these homeowners, Kin offers alternatives such as HELOCs and home equity loans. These products allow access to home equity without changing the original mortgage terms, which is particularly advantageous as Port St. Lucie is projected to be the best real estate market in Florida for 2025, making home equity a valuable asset. Port St. Lucie continues to attract attention from both buyers and investors.
Technology-Driven Lending Process
Kin states that its technology platform streamlines the home financing process. The company applies the same digital-first approach used in its insurance services, aiming to make lending more transparent and efficient for Florida residents.
According to Kin, customers can expect a seamless experience from application to funding, with digital tools and personalized support throughout the process.
Kin’s Presence in Florida
With over 150,000 Florida homeowners already using Kin for insurance, the company says it has a strong understanding of the state’s housing market. Both current and new customers can now access home financing solutions through Kin’s platform.
Kin’s home financing products are currently available only in Florida, according to official disclosures. The company operates as a mortgage broker, not a direct lender, and offers products through agreements with third-party lenders.
Regulatory and Consumer Information
Kin Financing, LLC is a state-licensed mortgage broker based in Chicago, Illinois. It is a wholly owned affiliate of Kin Insurance, Inc. The company discloses that referrals between Kin Insurance and Kin Financing may result in financial or other benefits for the affiliated businesses.
All loans and credit products are subject to underwriting and approval by the lender. Terms, rates, and conditions may vary. Consumers can access Kin Financing’s credentials through the NMLS Consumer Access portal.
Frequently Asked Questions About Kin Home Financing in Florida
What is Kin home financing in Florida?
Kin home financing in Florida is a service offering mortgage loans, refinancing, home equity loans, and HELOCs to Florida homeowners. The goal is to help residents access competitive rates and flexible lending options.
How much can Florida homeowners save with Kin-exclusive rates?
Kin reports that its exclusive rates may offer lower costs than traditional brokerages by reducing commission fees. Actual savings depend on individual loan terms and market conditions.
Are Kin home financing products available outside Florida?
No, according to Kin, its home financing products are currently only available to residents of Florida. The company may expand in the future, but as of now, these services are Florida-specific.
Can you get a HELOC or home equity loan from Kin if you already have a low mortgage rate?
Yes, Kin offers HELOCs and home equity loans to homeowners who want to access their equity without refinancing their original mortgage. This helps preserve favorable mortgage rates while funding renovations or consolidating debt.
Where are Kin home financing services managed from?
Kin Financing, LLC is headquartered in Chicago, Illinois, but its home financing products are available to Florida residents. All regulatory information and licensing can be found through the NMLS Consumer Access portal.
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