KIMandJR

KIMandJR JR Clemente NMLS # 256526 and
Kim Rangell NMLS # 269414

18+ Years Serving our clients whom we love! [email protected]

Kim and JR makes no representations or warranties of any kind,
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She is all done and moved into NYU. First day of school was today. Extremely blessed and proud of you Elliotte Madison ...
09/03/2026

She is all done and moved into NYU. First day of school was today. Extremely blessed and proud of you Elliotte Madison

09/02/2026

MIDWEEK MORTGAGE UPDATE | SEPTEMBER 2, 2026

The latest employment report showed that only 38,000 jobs were added in August—the weakest hiring in seven months and another sign that the labor market is cooling.

Why does that matter for mortgage rates? Slower job growth can help ease some of the pressure keeping rates elevated. However, several Federal Reserve officials still believe the economy and labor market remain solid, so the Fed may choose to keep rates unchanged at its September meeting.

Mortgage rates held near 6.79% last week, and overall application activity remained fairly quiet.

The big picture: Next week’s inflation report will be especially important. If inflation shows continued improvement, it could create an opportunity for mortgage rates to move lower. If inflation comes in hotter than expected, rates may remain elevated.

Whether you’re preparing to purchase, sell, refinance, or consolidate debt, having a strategy in place now allows you to move quickly when the market creates an opportunity.

Kim & JR
Your Solution Based Lenders 🏡

YourSolutionBasedLenders

09/01/2026

EVERYONE’S BUILDING AN ADU… BUT WHY SHOULD YOU?

Maybe you’re planning for retirement.
Maybe your family is growing.
Maybe you LOVE your neighborhood and don’t want to move.

Or maybe you want to…

➡️ Rent out the backyard and help pay for the front of the house
➡️ Build a home office and finally get out of the kitchen
➡️ Create a playroom for the kids
➡️ Give Mom or Dad their own space
➡️ Build that man cave you’ve been talking about forever

Whatever the reason, the question is: How do you pay for it?

You may already be sitting on the answer — your home equity.

And if you’re holding onto one of those beautiful low COVID-era mortgage rates, you may NOT have to touch it. We can look at options like a fixed-rate second, HELOC or HELOAN and leave that first mortgage right where it is.

Don’t qualify the traditional way? That doesn’t necessarily stop us.

We have alternative programs using:
• No income / no employment qualification
• Profit & Loss statements
• Bank statements
• And other creative lending solutions

That’s why we call ourselves solution-based lenders.

Before you give up on that ADU, let’s see what your equity can do.

DM us or email [email protected]

Because when it comes to financing solutions…

If you don’t know, now you know.

NMLS 269414 | DRE 01457129
Powered by Equity Smart Home Loans

Sometimes social media really does bring the right people into your life.Back in May 2022, Edmundo found Kim and me thro...
08/31/2026

Sometimes social media really does bring the right people into your life.

Back in May 2022, Edmundo found Kim and me through an Instagram post about our No Income, No Employment loan program.

And he was skeptical. VERY skeptical.

No income or employment required to qualify? Really? YES!

But who could blame him? So he did his homework. He looked up our licenses, researched our company, checked us out on Instagram and made sure Kim and JR were actually real people.

He took a chance, reached out, trusted us with his first loan…and we got it closed.

Here’s the crazy part: we’re in California, Edmundo is in New York, and we had never met in person.

Fast forward more than four years and two loans later, and we FINALLY got to meet!

Even 3,000 miles apart, we never lost touch. We stayed connected through social media, watched each other’s families grow and kept in communication all these years.

So when Edmundo invited us to dinner in NYC, it didn’t feel like meeting a client. It felt like finally meeting an old friend.

We also got to meet his beautiful family, who could not have been sweeter or more welcoming.

What touched Kim and me most was knowing that with Elliotte now at NYU, Edmundo and his family told us if she ever needs anything while we’re across the country, she can count on them. As parents, that means more than they probably realize.

An Instagram post led to a message.
A message led to a mortgage.
One mortgage led to another.
And somewhere along the way, a client became a friend.

Edmundo, thank you to you and your family for your friendship, hospitality and for opening your arms to our family and Elliotte.

Some closings give you clients. Some closings give you friends for life.

08/31/2026

MONDAY MORTGAGE MINUTE | What’s Moving the Market This Week

There’s a lot happening in the world right now, and some of it is making its way into the housing market.

Oil prices and global tensions are back in focus. Escalating conflict in the Middle East, along with disruptions to Russian oil production, has pushed oil prices higher. Why should a homebuyer care? Higher energy prices can contribute to inflation — and inflation is one of the things that can keep interest rates elevated.

The Fed is watching the numbers closely. This week brings several important employment reports, culminating with Friday’s Jobs Report. These reports will help shape expectations for what the Federal Reserve may do next, which can ultimately influence mortgage rates.

But here’s the part we really want buyers to pay attention to: home values.

Fannie Mae’s latest Home Price Expectations Survey of leading housing economists forecasts:

➡️ 2.6% home-price appreciation in 2026
On a $500,000 home, that’s approximately $13,000 in potential appreciation.

➡️ 15% cumulative appreciation over the next five years
On that same $500,000 home, that’s approximately $75,000 in potential appreciation.

That’s an important reminder that buying a home isn’t only about getting the “perfect” interest rate. The rate is one piece of the equation. The price you pay, your monthly payment, how long you plan to own the home, and the potential to build equity all matter.

And remember: real estate is local. National headlines can tell one story while your neighborhood tells another. Before deciding whether to buy, sell, refinance or wait, it makes sense to look at the numbers for your market and your situation.

That’s exactly what we’re here to help you do.

Kim & JR
Your Solution Based Lenders

Yankees stadium. Epic. Must see vs the Red Sox! Started at the hard rock yankee stadium and ended in the Audi lounge. Me...
08/30/2026

Yankees stadium. Epic. Must see vs the Red Sox! Started at the hard rock yankee stadium and ended in the Audi lounge. Met some great people and connected moving forward. Creating community in NYC. Our new home away from home when we visit our baby at NYU!

08/29/2026

MISSED OUR LIVE WEBINAR?

No worries — you can still catch the full recording!

▶️ Watch it on our YouTube channel Kim Rangell and JR Clemente

Or want us to send it directly to you?

📩 DM us or email [email protected] and we’ll send you the link.

Kim & JR | The Mortgage Team
NMLS 269414 | DRE 01457129
Powered by Equity Smart Home Loans

08/29/2026

FRIDAY MORTGAGE MARKET WRAP | August 28

If you’ve been following our market updates over the last few weeks, you may have noticed something:

The mortgage market keeps changing its mind.

One day things look better. A couple of days later, rates are under pressure. Then we get some relief — and suddenly the market turns again.

That’s not a contradiction. That’s volatility.

And today was another perfect example.

Mortgage Bonds moved sharply lower after Fed Chair Kevin Warsh delivered a more aggressive message on inflation. He didn’t say a rate hike is definitely coming — but he made it very clear the Fed is prepared to act if inflation doesn’t continue moving toward its 2% goal.

The market listened.

The probability of a September rate hike jumped from 35% yesterday to 48% today, and markets are now pricing in at least one 0.25% hike by year-end.

At the same time, new employment data showed something very different beneath the surface: job creation was significantly weaker than previously reported, averaging only about 16,000 jobs per month over the period measured.

So we have competing forces:

Inflation is keeping the Fed cautious.
The labor market is showing weakness.
And mortgage rates are reacting quickly to every new piece of information.

That’s why waiting for the “perfect” moment can backfire.

If the numbers work for you today, there is value in moving forward and protecting your position rather than trying to predict what rates will do tomorrow.

And remember — buying a home or refinancing doesn’t necessarily mean you’re married to that rate forever. If the market improves later, we can always evaluate your options again.

Our job isn’t to guess the market perfectly. It’s to help you make a smart decision in the market we actually have.

📅 Next week is another big one with JOLTS, ADP employment, jobless claims and Friday’s Jobs Report — all of which could move mortgage rates again.

Kim & JR | Your Solution Based Lenders

Pats or Geno’s? Why is the king? Are you team Pats or Team Geno’s?
08/28/2026

Pats or Geno’s? Why is the king? Are you team Pats or Team Geno’s?

Let liberty ring. Amazing this bell was created in the year 1752. Almost 300 years old. Amazing to see in person. I love...
08/28/2026

Let liberty ring. Amazing this bell was created in the year 1752. Almost 300 years old. Amazing to see in person. I love history.

Philly is the last layover on our amazing road trip before we land in New York tomorrow. Check in day at NYU! America is beautiful and amazing!

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