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Jerry Kindig is licensed in Florida. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Florida.
Licensed in Florida
FLLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Florida license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Florida.
Loan Factory, Inc. license in Florida, from our state license list:
Mortgage Lender License
License#: MLD2334
Licensed by Florida Office of Financial Regulation
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Florida has about 23.5 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Florida (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 11 largest Florida cities by population, plus Pensacola in the western Panhandle. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Jacksonville, Miami, Tampa, Orlando, or a smaller community, we work with borrowers throughout Florida and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Naval Air Station Jacksonville · NPS Biscayne · University of Central Florida · Florida Department of State, The Capitol · Florida State University · Naval Air Station Pensacola · 49 CFR Part 71 (time zones).
A few facts worth knowing before you buy in Florida.
Sources: Florida Department of Revenue, personal income tax FAQ · Florida Department of Revenue, sales and use tax · NOAA NCEI 1991-2020 climate normals (Miami, Orlando) · NOAA National Hurricane Center · 49 CFR Part 71 (time zones) · U.S. DOT time zone map · NIST, daylight saving time · MacDill Air Force Base.
From the Panhandle to the Keys, here are seven places to explore.
Established in 1947 as the first national park created for its biodiversity, protecting 1.5 million acres of wetland, forest, and marine habitats.
Aquamarine waters, islands, and coral reefs within sight of Miami, for boating, fishing, and diving.
Almost 70 miles west of Key West, reached only by boat or seaplane, and home of Fort Jefferson.
A barrier island of dunes, coastal hammocks, and Mosquito Lagoon, with ancient Timucua shell mounds.
The masonry fort the Spanish built in St. Augustine to defend Florida and the Atlantic trade route.
Emerald coast waters, white beaches, marshes, and historic sites in Florida and Mississippi.
Exhibits include Space Shuttle Atlantis, the Apollo/Saturn V Center, and the U.S. Astronaut Hall of Fame.
Sources: NPS Everglades · NPS Biscayne · NPS Dry Tortugas · NPS Canaveral · NPS Castillo de San Marcos · NPS Gulf Islands · Kennedy Space Center Visitor Complex · VISIT FLORIDA.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in Florida, and Loan Factory, Inc. (NMLS #320841) holds Florida Mortgage Lender License MLD2334 from the Florida Office of Financial Regulation. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Florida and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
No. Florida does not impose a personal income tax, so there are no personal income tax filing requirements, according to the Florida Department of Revenue.
The Atlantic hurricane season runs from June 1 to November 30, according to NOAA's National Hurricane Center.
Most of Florida is on Eastern Time. The western Panhandle, including Pensacola and Panama City, is on Central Time. Both observe daylight saving time.
Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.
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