Kandace Jones - Mortgage Lender

09/19/2025

Hey friends 👋

Big news in the mortgage world lately, and I wanted to break it down for you—especially if buying or refinancing is on your mind.
The Federal Reserve just made its first rate cut of the year, lowering its benchmark rate by 0.25% (a quarter point). That’s a signal that they might make a couple more cuts by year’s end.

Because of this, mortgage rates are falling—again. The average 30-year fixed rate recently dropped to 6.26%, the lowest it’s been since early October with FHA and VA even LOWER. 🤯

With rates coming down, refinance activity is surging: more homeowners are asking if they can lower their monthly payments.

💡 What This Means For You
If you’ve been “renting time” on high-interest debt or an old mortgage—this might be a good time to explore locking in a lower rate.

Prospective homebuyers may find this shift opens up options because you’ll have a little more buying power.

Whether you want to buy, refinance, or just see what your options are—this is a good moment to get informed.

✅ What To Do Next
If any of the following apply:
You’re thinking of buying a home soon
You want to refinance your current mortgage
You want to understand what rates might look like for you

Let’s talk! I can run the numbers based on YOUR credit, down payment capacity, and what you’re hoping for—a no-pressure chat. It’s my job (and honor) to help make sense of this stuff and see if now is the right time for you.

📲 DM me anytime or drop a comment, and I’ll reach out or give me a call/text. If "wait and see" is your mindset—good—we can see what the market does together. There is no timeline or pressure and pre-approvals with me do not expire, we just update your information to real time updates as needed. If you’re ready to move, let’s make sure you’re set so you don’t miss out!

📞971-413-4086
NMLS # 2416366

Call now to connect with business.

09/17/2025

🚨 The Fed just cut rates ‼️ and it’s opening a window of opportunity for homeowners ⏳

Now could be the right time to refinance or tap into home equity and consolidate high-interest debt.

💬 Reach out to start talking about your personalized strategy and/or get updated rate pricing for you!

Your buying power could be increasing allowing you to qualify for more or lower your monthly payments!

08/27/2025

🚨 Protect Yourself from Loan Scams & Phishing 🚨

Whether you’re tech-savvy or not, spammers and phishing scams don’t discriminate. It’s more important than ever to take precautions — especially when you’re applying for a loan and sharing sensitive information.

✅ Always double-check the source of emails or calls.
✅ Never click suspicious links or open unexpected attachments.
✅ Guard your personal and financial information closely.

And remember — if something ever looks “phishy,” reach out to me directly. I’ll gladly review it with you to make sure your personal information stays as safe as possible.

Your security matters just as much as your homeownership goals. 🏡🔒

05/16/2025

🎯The New Way to Get Clients on Social – Go from Posts to Profits
🧠 Hosted by: Synergy One Lending
🎙️ Speaker: Neel Dhingra – top industry voice in content marketing & business growth
📅 Date: Tuesday, May 20th
🕙 Time: 10:00AM PST
🔗 Registration Link:
https://www.neelsmasterclass.com/s1

This is an incredible opportunity for agents to learn how to use social media to attract, engage, and convert clients.

I will be on, let me know if you sign up. You're not going to want to miss this!

05/06/2025

Starting this week off with a bang — and a full heart!

Heading into today’s signing appointment fully prepared to support my amazing client Traci as she takes this next exciting step in their journey to homeownership!

I always come ready — with:

-Worship music to set the tone
-Water & protein to fuel the body
-My laptop and tools to continue working and serving others

And most importantly, a servant's heart — to answer questions, offer guidance, and celebrate every moment of this milestone.

It's not just about the paperwork — it's about making sure every client feels seen, supported, and empowered through the entire process.

Let’s get it done!

05/03/2025

5.0 star review received on Experience.com for Kandace Jones by Amber C N - I have worked with Kandace for a couple years now. What I love about her is she's a go getter! She is willing to push harder, and dig deeper than any other lender I've worked with. She doesn't give up easy and is a great problem solver. So naturally, when it was my turn to buy a house, she is who I used. She's an amazing person, and great at her job. No one will work harder for you, which is why we make such a good team! Whatever your loan needs are, you can't go wrong with Kandace!

Click to see all 16 reviews of Kandace Jones, Loan Officer | NMLS #2416366

04/30/2025

It’s ALL about teamwork when it comes to closing loans — and today was no different! 🙌🏼

We are officially funded and recorded on this sweet investment property for one of my amazing friends! 🏡💼

It took Brandy and her team, Amber, myself, and the incredible team behind me working in sync with focus, urgency, and attention to every detail to get this one across the finish line.

So grateful for the power of collaboration and the trust of my clients. Let’s keep building dreams together! 💪🏼✨

04/28/2025

Life is full — and I wouldn't have it any other way! 🎉

This past weekend while hosting 10 energetic 12-year-old boys for a birthday partyr and a full schedule of sports, but that hasn’t stopped me from doing what I love! 💪🏼

While hanging out at the arcade with the kiddos, I got the amazing news that my sweet friends' offer was accepted — and we are officially UNDER CONTRACT on their new home! 🏡✨

What an incredible blessing to be able to balance work and family, doing what I love while being present with the ones who mean the most to me.

Even more exciting? This beautiful family just welcomed a precious baby girl 9 days ago — and now they’re getting ready to move into a home they can truly call their own. 💕

Feeling beyond grateful to be part of their journey and can't wait to celebrate even more at closing!

04/07/2025

PSA: Student Loan Borrowers—Check Your Payment Status! 🚨

If you have student loans that were in deferment, do yourself a favor and check in on their current status—or reach out, and I’d be happy to help you sort it out!

Many loans that were previously deferred are no longer in deferment or will be resuming payments soon, and it's catching people off guard.

In just the last week, I’ve had two clients miss payments because they didn’t know they were due—

-One received no notice at all

-The other had the notice stuck in their spam folder

The result? Their credit scores dropped by 60–100 points—a hit that can seriously affect your loan pre-approval and even your ability to purchase a home.

Don’t let a missed payment delay your goals. Stay ahead, stay informed, and protect your credit.
If you’re unsure where to start, I’m here to walk you through it.

04/07/2025

5.0 star review received on Experience.com for Kandace Jones by Daniel J D - Being a fellow veteran and a first time homebuyer she made it an Amazing experience for me and my family!

Click to see all 15 reviews of Kandace Jones, Loan Officer | NMLS #2416366