KIMandJR Videos

Why Rent at 100% Interest When You Can Own at 5-7%? Stop Renting! If you can afford to buy a home, why are you still renting? Every month you pay rent, you’re funding your landlord’s wealth instead of building your own. It’s like paying 100% interest—none of your money goes towards something you can call yours. Imagine this: instead of handing over your hard-earned cash to your landlord, you could be investing it in your own future. With mortgage rates at 5, 6, or 7%, owning a home means each payment builds equity and helps you grow your wealth over time. Here’s the deal: Renting: You pay month after month, and that money goes straight into your landlord’s bank account. Zero return for you. Owning: Every payment you make helps you own a valuable asset, something that appreciates and builds your financial future. If you’re ready to stop renting and start investing in a home of your own, let’s talk! We’re here to help you navigate the path to homeownership and make your money work for you. #kjtmt #kjthemortgageteam #rent #rates #kimandjrthemortgageteam #landlord #thekimandjr #rentsdue #own #mortgage #dodgers #didyouknow #realtor #lender #broker #homeownership #homeowner #stoprenting #purchase

Are you a loan originator who feels stuck in a routine? Have you been considering making a change but keep pushing it off? Remember, “Nothing Changes if Nothing Changes.” Are you expecting different results with the same tools? Disrupt the flow and change your environment. Don’t be one of the next Loan Originators who calls it quit as we previously posted (check it out). At KJ The Mortgage Team powered by Equity Smart Home Loans, we believe that change is the catalyst for growth and success. Our team thrives on innovation, support, and opportunities that empower you to reach new heights in your career. Why Choose KJTMT and ESHL? Empowerment: We provide the tools, resources, and environment that enable you to excel. Growth: Continuous professional development and clear pathways to advance your career. Supportive Team: Work with a dynamic team that values your contributions and supports your goals. Innovation: Stay ahead with cutting-edge technology and industry-leading practices. If you’re ready to embrace change and step into a future full of possibilities, we want to hear from you. Join us at [Your Company] and be part of a team that is dedicated to your success. Don’t wait for change to happen. Make it happen with us. Interested in joining our team? Email us at [email protected] and let’s explore how you can be a part of our journey towards excellence. #kjtmt #kjthemortgageteam #mortgage #loanoriginator #loanofficer #broker #yes #kimandjrthemortgageteam #thekimandjr #change #changes #changestartswithyou #team #jointheteam #mortgagebroker #join

We are not sure if this is for you, but…
I just had a casual chat with Kim, and she made such a great point that we had to share it with you all. We decided to record an unscripted video to capture the moment and share our thoughts as they happened. Check out the video– it’s informal and real, just us sharing what’s on our minds. We’d love for you to watch and join the conversation! Feel free to drop your thoughts in the comments. Let’s keep the dialogue going! KJ The Mortgage Team powered by Equity Smart Home Loans. Equal Housing Lender #kjtmt #kimandjrthemortgageteam #talk #action #kjthemortgageteam #evaluate #dontwait #debtfree #debt #refinance #late #procrastination #toolate #relief #assistance #zoom #random #peace #amazing

Why we love what we do.
Our mission is to empower everyone to build generational wealth through real estate, and we are your gateway to achieving that. We invite you to connect with us for a conversation about creating your personalized plan. [email protected] #kimandjrthemortgageteam #thekimandjr #kjtmt #kjthemortgageteam #passiveincome #generationalwealth #realestate #mortgage #families #family #portfolio #wealth #income #leverage #top5financialbenefitsofrealestate #mentorship #guidance #california #investor #ferrari

Happy Birthday to an incredible partner and friend! We are so grateful for all the positive impact you have on our lives. Join us in wishing Kim a very special Happy Birthday! #kjtmt #kjthemortgageteam #birthday #happybirthday #kimandjrthemortgageteam #happybirthday #birthdaygirl #partner #love #amazing #mortgage #family

Learn how consolidating your debt into a single loan with your mortgage can be a game-changer, leveraging the power of compounding to your advantage. Explore a real-life scenario in this enlightening video, showcasing how strategic allocation of your monthly funds can lead to significant savings and accelerate your path to homeownership freedom. Curious? Witness the possibilities firsthand by copy the link below and discovering what awaits you.https://www.youtube.com/watch?v=y-1icLys5TM&t=109s#kjtmt #kjthemortgageteam #dodgers #yes #kimandjrthemortgageteam #consolidated #debtconsolidation #save #money #lowered #refinance #savings #refinance #create #amazing #mortgage

Did you catch wind of the latest on the NAR Settlement? Right now, it’s a bit of a waiting game as details trickle in and guidelines get fine-tuned to match the evolving landscape. But hey, in the meantime, it’s business as usual, right? Let’s keep our eyes peeled for updates and keep the momentum going! And remember, don’t wait to buy. With potential changes from the settlement, delaying could mean paying more down the line as a buyer. Keep that in mind as you navigate the market! Email us at [email protected] to get started. We will set you up with a great agent!. #kjtmt #kjthemortgageteam #dodgers #yes #kimandjrthemortgageteam #didyouknow #narsettlement #baseball #realty #realtor #realestate #purchase #buy #mortgage #homeownership #equity #stoprenting #buynow #landlord #wealth

Learn how consolidating your debt into a single loan with your mortgage can be a game-changer, leveraging the power of compounding to your advantage. Explore a real-life scenario in this enlightening video, showcasing how strategic allocation of your monthly funds can lead to significant savings and accelerate your path to homeownership freedom. Curious? Witness the possibilities firsthand by copy the link below and discovering what awaits you. https://www.youtube.com/watch?v=y-1icLys5TM&t=109s. #kjtmt #kjthemortgageteam #dodgers #yes #kimandjrthemortgageteam #consolidated #debtconsolidation #save #money #lowered #refinance #savings #refinance #create #amazing #mortgage #kjtmt

“Unlocking Dead Equity: Don’t Let Your Assets Sit Idle! Dead equity - it’s a silent wealth killer. Imagine having money sitting in your bank account, doing absolutely nothing for you. That’s dead equity in a nutshell. Whether it’s tied up in a property or stagnant investments, dead equity is capital that could be working harder for you. But fear not! There’s a solution: accessing and reinvesting dead equity. By leveraging tools like refinancing, home equity loans, or selling underperforming assets, you can breathe new life into your finances. Reinvesting dead equity opens doors to opportunities like expanding your portfolio, starting a new venture, or even just boosting your savings. Don’t let your equity go to waste. Put it to work and watch your wealth grow!” #kjtmt #kjthemortgageteam #deadequity #kimandjrthemortgageteam #equity #yes #leverage #multiply #realestate #income #incomeproperty #mortgage #realty #create #landlord #wealth #money #realtor #house #home #owner #homeownership #homeowner

Two decades of commitment, dedication, and unwavering support from our amazing clients and partners have brought us to this remarkable moment. As we reflect on the past two decades, we are filled with gratitude for the trust you’ve placed in us. Your confidence has driven us to continuously strive for excellence in all that we do. To mark this special occasion, we are delighted to unveil our exclusive 20th-anniversary logo! This emblem encapsulates our journey, representing not only our growth but also our enduring commitment to helping you achieve your homeownership dreams. Established in 2004, as our original logo proudly declares. Join us in celebrating this milestone and in looking forward to the exciting future ahead! Thank you for being an integral part of our success story. Here’s to many more years of partnership, prosperity, and making dreams come true together! #KJTheMortgageTeam #20YearsStrong #MilestoneCelebration #kjtmt #celebrate #DreamHomeAchievers #stability #yes #kimandjrthemortgageteam #mortgage #kjthemortgageteam #mortgagebroker #anniversary #proud #milestone #20 #2004 #20thanniversary #20years #teamwork

Are you hesitant or uncertain about whether to buy a home? Remove any doubts and make your decision confidently. After just one Zoom meeting, you’ll feel fully resolved in your choice, whether you decide to buy or not. To schedule your 20-minute consultation and achieve clarity, email us at [email protected]. #kjtmt #kjthemortgageteam #mortgage #yes #kimandjrthemortgageteam #purchase #buy #loan #realestate #realty #homeownership #buynow #equity #broker #homesweethome #top5financialbenefitsofrealestate #house #home

Act Now: Navigating Homebuying Before the NAR Settlement Changes The real estate landscape is on the cusp of significant change following a settlement with the National Association of Realtors (NAR). This change, aimed at modifying the commission structure, holds the potential to alter homebuying costs and market dynamics. While the exact implications remain uncertain, one thing is clear: the future of homebuying costs is in flux. Why Buy Now? Uncertainty Ahead: The specifics of how commission changes will affect home prices and buyer expenses are still unknown. This uncertainty suggests that costs could rise, making future home purchases potentially more expensive. Current Stability: Buying a home now offers a chance to capitalize on the existing, more familiar commission structure. Acting before the new rules take effect could mean sidestepping unforeseen expenses and navigating a less unpredictable market. Opportunity Knocks: The period before these changes are implemented represents a unique window of opportunity. Prospective buyers have a chance to lock in their investments under the current, potentially more favorable conditions. The Bottom Line With the NAR settlement poised to reshape the real estate buying process, the message for prospective homebuyers is clear: considering a purchase sooner rather than later could save you from navigating a more costly and uncertain market in the future. As we move towards these changes, staying informed and proactive is your best strategy in this evolving landscape. [email protected] #kjtmt #kjthemortgageteam #mortgage #yes #kimandjrthemortgageteam #loans #loan #save #dontwait #realestate #realty #buy #homeownership #money #retire #realtor #action #mortgagebroker #loanteam

Exciting Announcement for Californians! Forget the Hassle of Income Documentation! Are you dreaming of homeownership without the headache of proving your income? Look no further! We’re thrilled to introduce our 30-year fixed loan program tailored exclusively for California properties, and it comes with a game-changing perk - no income documentation required! Introducing our NO Income Ratio Program for Primary & Second Homes! • FICO Scores as low as 660. • Income requirements? None! • No more digging up income or employment documents. • Just a minimum 20% down payment. • Even cash-out refinancing is on the table. • Loan amounts soar up to $2 million. • Eligible for Primary Residences (1-4 Units) & Second Homes. • No Pre-payment Penalties. • Gift funds are warmly welcomed. Have assets but lack documented income? No problem! Bid farewell to employment verification hurdles and embrace the ease of securing your dream home. For inquiries or to discuss your unique situation, shoot us an email at [email protected]. KJ The Mortgage Team (KJTMT), backed by Equity Smart Home Loans (NMLS 856170) Equal Housing Lender Kim (NMLS 269414) JR (NMLS 256526) APR of 10.499 Based on 20% down with a FICO score of 740. #home #house #mortgage #realestate #realty #noratio #california #purchase #buy #always # #kjtmt #kjthemortgageteam #yes #kimandjrthemortgageteam #amazing #didyouknow #noincome #loans #loan

We’re thrilled to announce that we’re expanding our team at KJ TMT and looking for individuals to join us as Loan Originators! Just like hitting a home run in baseball, we’re all about knocking it out of the park in the world of finance. Joining the branch of the year winners back to back showcases our commitment to excellence, and we’re excited to welcome new members to our winning team. With a proven track record of producing results in any market, we’re eager to bring on individuals who share our dedication to providing exceptional service and finding the perfect loan solutions for our clients. Whether you’re a seasoned professional or new to the industry, we believe there’s room for everyone to thrive at KJ TMT. Join us in creating new beginnings and seizing endless opportunities at KJ TMT! Let’s work together to hit a grand slam in the world of finance! KJTMT powered by Equity Smart Home Loans!! Email us at [email protected] #TeamKJTMT #FinanceChampion #kjtmt #DreamHomeGoals #kjthemortgageteam #joinus #kimandjrthemortgageteam #mortgage #loans #mortgagebroker #broker #loanoriginator #loanofficer #yes #teamwork #mortgageconsultant #growth

Step Into the Spotlight with KJTMT: 2022 & 2023 Branch of the Year Winners. Echoing the Dodgers’ strategic masterstroke in signing Shohei Ohtani, KJTMT, celebrated as the Branch of the Year winners for both 2022 and 2023 at Equity Smart Home Loans, is on the lookout for a licensed loan originator who’s ready to join a legacy of champions. This is an invitation to be part of a team where excellence is our hallmark and victory is in our DNA. Why Join the Champions’ Circle? KJTMT has proven that they produce in any market. Up or down, doesn’t matter. We can support you to produce no matter the circumstances. Proven Excellence: As the back-to-back winners in 2022 and 2023, we don’t just aim for success; we live it. Like Ohtani’s dual-threat capability, we seek someone with multifaceted skills in loan origination and client services. Be Part of a Legacy: Align your career with a team that’s not just winning but setting standards. It’s about making your mark within a lineage of excellence. Unmatched Growth & Opportunities: With us, your career trajectory is boundless. Being part of a champion team means access to unparalleled resources, mentorship, and the tools to forge your path to the top. Collaboration & Innovation: In our team, innovation sparks from collaboration. Your ideas and strategies are the game-changers we’re looking for to continue our tradition of excellence. In our quest for excellence, we’re more than a team; we’re a family that celebrates every win and supports each other through every challenge. If you’re driven by the pursuit of excellence and ready to elevate your career within a champion’s ecosystem, your search ends here. This is more than a job; it’s your chance to join a legacy of winners. Are you ready to make history with us? Threepeat!!! Let’s talk. #KJTMTSuperstarSearch #BranchOfTheYear #FinanceChampions #JoinTheLegacy #kjtmt #kjthemortgageteam #mortgagebroker #join #kimandjrthemortgageteam #broker

Exciting News for California Residents! No Need for Income Documentation! This is a 30 yr fixed loan. This is not hard money financing. Not hard money! Currently exclusive to California properties. Introducing our NO Income Ratio Program for Primary & Second Homes! • FICO Scores as low as 660. • Zero income requirements! • No need for income or employment documentation. • Minimum 20% down payment. • Cash-out refinancing is acceptable. • Loan amounts up to $2 million. • Available for Primary Residences (1-4 Units) & Second Homes. • No Pre-payment Penalties. • Gift funds are permitted. Got assets sitting idle? Lack documentable income? No problem! Secure your home and settle in without the hassle of proving your employment. Simply email us your scenario at [email protected]. KJ The Mortgage Team (KJTMT), backed by Equity Smart Home Loans (NMLS 856170) Equal Housing Lender Kim (NMLS 269414) JR (NMLS 256526) APR of 10.499 Based on 20% down with a FICO score of 740. #kjtmt #kjthemortgageteam #income #yes #kimandjrthemortgageteam #home #house #mortgage #realestate #realty #noratio #california #purchase #buy #always #itcan

Special Opportunity: Own a Home for Your Loved Ones - No Need to Occupy! Hey, future homeowners! We’ve got some truly heartwarming news to share. DID YOU KNOW??? Here’s the scoop: You can purchase a home for your parents, even if you won’t be living there yourself. And get this – you can do it with as little as a 5% down payment! It’s an amazing chance to secure a beautiful home for your family members without the usual residency requirements. This program offers you the flexibility to provide a cozy and secure space for your parents, while enjoying low down payment options and favorable terms. It’s all about making homeownership dreams a reality for your loved ones. Excited to give your parents the gift of their own home? Reach out to us today to learn more about how we can help you make it happen. Let’s create a place where love and family thrive – starting with a home they’ll cherish forever. [email protected] KJ The Mortgage Team powered by Equity Smart Home Loans (nmls 856170). Equal Housing Lender Kim (nmls 269414) JR (nmls 256526) 7.122 apr Based on 5% with a 740 fico #kjtmt #kjthemortgageteam #parents #loans #mortgage #kimandjrthemortgageteam #mom #dad #family #generationalwealth #love #realestate #realty #purchase #win #properties #didyouknow #didyouknowfacts