“Kin gave me more options”: One Florida homeowner’s experience securing a HELOC with Kin Financing

Luz Asmat and her family moved from New Jersey to Florida in 2021. A few years later in 2025, Luz wanted to consolidate and pay off multiple high-interest credit cards with a home equity line of credit (HELOC) — but her mortgage company said her credit score was too low. 

That lender referred her to another company for a HELOC, but it didn’t communicate well. Luz says she dealt with representatives who asked her basic questions without offering clear information about paperwork requirements.

That’s when she found Kin Financing.

She’d initially heard of Kin through advertisements in Florida, and was impressed with our customer service after purchasing a home insurance policy. So when she received an email about obtaining a HELOC with Kin, she was intrigued. 

“Since I had a good experience already, I started looking for more details,” she says. Right away, she could tell this was a better fit: “The process was very quick, very smooth, easy to understand.” Brad Panek, a senior mortgage loan officer at Kin, provided clear information about the loan amount and interest rates based on her credit report, including estimates of the lowest and highest interest rates she might face. 

Additionally, Kin allowed Luz to control how the funds were dispersed, sending money directly to her rather than mandating payment to all her debts. The previous company she’d talked to had insisted on paying off all scheduled debts directly, including credit cards and even her car loan. “Kin gave me more options for how to repay the loan,” she explains, noting that she appreciated Kin’s more flexible approach. 

Luz’s experience is an example of how Kin Financing approaches HELOCs: with Kin-specific rates and solutions that fit your budget and save you money. Above all else, at Kin, we really care about our customers — and, with empathetic, knowledgeable, and timely customer service, it makes a meaningful difference.