“It just made sense”: One Florida homeowner’s quick and easy mortgage refinancing with Kin Financing

When Ronnie Peacock and her partner moved to Palm Bay, Florida, more than three years ago, she struggled finding the right loan to fit her needs and ended up with an 18-year loan with a 5% APR. 

Ronnie already trusted Kin Insurance to insure her property, so when Brad Panek, a senior mortgage loan officer at Kin, reached out to ask if they’d consider refinancing, she was intrigued. “Our property was unique, and Kin was one of the few brokers that could show us options for a 30-year mortgage,” Ronnie says.

Kin offers mortgage loans, home equity loans, home equity lines of credit (or HELOCs), and refinancing. The goal of this arm of the company is to help homeowners make smart decisions — not only to protect, but also to leverage their most valuable asset. As a loan officer, Brad reached out to Ronnie to help her do just that.

Ronnie has worked as a mortgage broker in the past, so she knows her way around a loan package. On the phone, Brad explained that he could get them a 30-year mortgage at around 5% APR — which is a much better rate than it was three years ago. It felt worthwhile to make the change. 

“We got a standard FHA loan, 30 years, and a rate consistent with where we are, all at 5.126%,” she says. “It just made sense.”

The longer loan term decreased her monthly payments and better fit her budget. 

Not only that, but the process was easy — and fast. “It was three weeks,” says Ronnie. “I was like wow, OK, we’re done!”

When asked what made the process so seamless, Ronnie was clear: It was Kin’s loan officer, Brad. She described him as immediately responsive, on top of things, and always available whenever she called or texted. “When I called and asked for something, I got it within ten minutes,” she recalls. “As a loan officer, he is superb.” 

Ronnie’s experience is an example of Kin’s seamless entry into financing. As a broker, Kin uses its network of lending partners to find Kin-exclusive rates that can cut significant costs over the lifetime of the loan. This capability makes a real difference for customers, who can feel confident that their loan best fits their specific needs and financial goals. “For a new company in the business, you would never know it,” Ronnie says. “Kin made it very easy to do the deal.” 

Disclaimer: 

Kin Financing, LLC, 222 W Merchandise Mart Plaza, Suite 910, Chicago, IL 60654 | NMLS #2725728. Affiliated Business Disclosure: Kin Financing, LLC (“Kin Financing”) is a mortgage broker and wholly owned affiliate of Kin Insurance, Inc. (“Kin Insurance”). Because of this relationship, the referral of a consumer to Kin Financing by Kin Insurance or vice versa may result in a financial or other benefit to Kin Insurance. Kin Financing is independently operated and managed through its own management and governance structure. About Kin Financing. Kin Kin Financing, LLC is a state licensed mortgage broker, not a mortgage lender or correspondent mortgage lender. Mortgage products are offered through a contractual agreement between Kin Financing LLC and a third-party lender. This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions Access Kin Financing, LLC through the NMLS Consumer Access Pages here. Kin Financing products are only available in Florida.