Kin becomes licensed HELOC lender in Florida

Kin is now a licensed direct lender for home equity lines of credit in Florida, replacing the broker-referral model it introduced when it entered home financing in October 2025.

Through its Kin Financing affiliate, the company now controls HELOC pricing and the borrowing process. Florida homeowners can apply online, receive approval in as few as five minutes and obtain funding in as few as five days, subject to verification and closing requirements. Credit lines are available up to $750,000 and include a direct debt-payoff feature.

“Becoming a licensed lender lets us build the entire HELOC experience end-to-end, from application to funding. It’s part of a broader shift for Kin — from being an insurance company to being the place homeowners come to protect, finance and manage their homes.” – Kin Chief Product Officer Douglas Everson.

Kin is pursuing lending licenses in additional states.