Kim Jungles at Atlantic Coast Mortgage

Kim Jungles at Atlantic Coast Mortgage


Homebuying isn’t like shopping for an air fryer, or even new towels - dreams are on the line here. But there’s a fair amount of the purchase that happens beyond you - and that can leave you feeling a little “in the dark.” Kim Jungles understands that, and acts accordingly.

“First I have a great conversation with my clients to build a bridge with them, establish what the steps are for the pre-approval process, and establish agreements so things get done in a timely fashion. We cover what the process entails and the documents needed to get that done, but most importantly, establishing a realistic timeline to achieve their goal.”

The end result? No matter what stage of the process you’re in, you’re in the know - which is the way homebuying should be.
Our thanks to Kim Jungles at Atlantic Coast Mortgage for hosting a fun and educational Lunch & Learn for a group of our lovely agents! Jill Davis-Barrios Faith Kuglar Hunt Country Sotheby's International Realty Kathleen Grupe, Regina Petruzzi Neumann - Real Estate & Fine Properties and Sharon Hickman.
Happy ! We wanted to take this opportunity to give an to Kim Jungles at Atlantic Coast Mortgage for always providing exceptional client care! We also want to thank Brenda for the terrific feedback!

"Kim got to know me as a person, and she knew my goal of homeownership, helped me understand what I needed to do to get there, and helped me. When I did not think homeownership was attainable, she showed me the numbers and helped me to understand where I was and showed me there was a way. Kim would create a video message with updates on the loan process rather than leaving a voice message or an e-mail. I felt she went above and beyond to make my transaction seem special." ~ Brenda A.

At ACM we love our clients and we always appreciate their valuable feedback. Once again, awesome job Kim, and thank you, Brenda, for allowing to help guide you home.🏘️
We are proud to announce that we've been named Best Mortgage Company of Loudoun for the 6TH YEAR IN A ROW by Loudoun Times-Mirror!🙌

We also want to congratulate Kristi Hardy Team at Atlantic Coast Mortgage for being named Best Mortgage Loan Officer for the NINTH YEAR IN A ROW! 🎉 With over 24 years of experience in consumer lending, Kristi has dedicated her entire career to making each client feel comfortable by providing the best possible service. Kristi, we couldn't be more proud of you and our exceptional team at our Loudoun Branch!

As a proud member of the Loudoun community, ACM has been nestled in the heart of One Loudoun since March 2014. Since that time, has strived to provide exceptional client care through a consistently simple, easy, and stress-free homebuying experience for our homeowners and industry partners.

Loudoun is known for its beautiful scenery, rich history, a healthy diversity of expanding business opportunities, comfortable neighborhoods, and high-quality public services - reach out today if we can help guide you to a beautiful home in Loudoun County today.

Big to the phenomenal team at our ACM Loudoun Branch: Tan Tunador & Tan Tunador at Atlantic Coast Mortgage, Ashley Smith & The Ashley Smith Team at Atlantic Coast Mortgage, Sharon Slayton at Atlantic Coast Mortgage, Peter J. Kalian at Atlantic Coast Mortgage (Peter Kalian), Kim Jungles & Kim Jungles at Atlantic Coast Mortgage, Caryn Grafton & Grafton Group at Atlantic Coast Mortgage, Jackie Fields-Gleadall & The Jackie Fields-Gleadall Group at Atlantic Coast Mortgage, Dana Chapman at Atlantic Coast Mortgage, Tracy Bray, Brody Barrett & Brody Barrett at Atlantic Coast Mortgage

✨ On the Market Tomorrow!! ✨
Open to Agents & Public - Thursday February 20 from ⏰ 5:30 - 7:30pm .

🏡 20438 Partridge Place, Leesburg Va

“Remodeled, Updated & Ready for you”
💎 This Charming, Stone Front 5 Bedroom Home offering 5,330 finished sqft located on 3+ acres in the Established Big Woods Community. 🌳 Grand Entrance, High Ceilings, Hardwood Floors, 3 Fireplaces 🔥, 2 Masters, 3 Car Garage, Seperate Apartment, 4.5 Bath, Unfinshes Basement offering 2000 sqft.

Just Updated ⤵️
- New Roof, Lifetime Grand Manor Shingles
- Full Upper Master Bathroom Remodel
- New Gutters
- New Carpet throughout Upper Level
- Several Rooms freshly Painted
- New Underground Sprinkler System
- New Fixtures
- Landscaping

Offered at 💵 $864,800

For More Photos and Informative

Listed with Brianna Goetting Homes Sold

Hosting with Keren Jayne, Pearson Smith Realty

Sponsors Include
- Kim Jungles at Atlantic Coast Mortgage

- Laurie Gregg Kauffman w/ Vesta Settlement
📸 Picture Day 📸 at my Coming Soon Listing in Wi******er!!

216 Shawnee Ave, Wi******er will be available on the Market tomorrow 🥳

3 beds 🛌 | 1 bath 🛀 | 1500 sqft 🏡17 acres, fenced in 🌳 | No HOA ❌
Offered at $199k

Open House tomorrow, Saturday January 18th from 12-2pm

We hope to see you there!
- Kim Jungles at Atlantic Coast Mortgage & Brianna Goetting Homes Sold w/ Pearson Smith Realty
“You CAN repair your credit, whattt?!”

❌ Don’t let your * CREDIT SCORE * hold you back in 2020. ▶️ Watch Now to see how you can start repairing your credit & SAVE you in the long run. ✨

Credit Score 101 w/ Brianna Goetting Homes Sold + Kim Jungles at Atlantic Coast Mortgage
Don’t let the words “ Credit Score “ hold you back in 2020 ✨

There’s hope repairing your credit and it might be easier then you think! 🙌🏼

🎥 In an up coming video, Kim Jungles at Atlantic Coast Mortgage and I, bring to light 💡 what credit score means when it comes to purchasing a home 🏡

If you ever have any Real Estate Questions, don’t hesitate to react out to me, Brianna Goetting Homes Sold 📲 540.454.5025, Realtor w/ Pearson Smith Realty

Or if you have any Mortgage Questions, please feel free to reach out to local lender Kim Anderson Jungles 📲 703.470.2335 w/ Atlantic Coast Mortgage
📣 This just in... 2020 Rises Loan Limit 📊

Buyers will be able to borrow more next year to keep up w/ rising home prices. 👏🏼

The Federal Housing Finance Agency (FHFA) announced higher maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2020. 💰

In most of the U.S., the 2020 maximum conforming loan limit for one-unit properties will be $510,400, an increase from $484,350 in 2019 🙌🏼

For more information on current loan trends please reach out to…

Kim Jungles at Atlantic Coast Mortgage
📲 703.470.2335

- Brianna Goetting, Realtor
📲 540.454.5025

NMLS ID# 1690401 | Company NMLS ID #643114 ( | Licensed in VA (MLO-36092V

New ★★★★★ 5 Star Review by Thomas C 09/12/2022

New ★★★★★ 5 Star Review by Thomas C

New ★★★★★ 5 Star Review by Thomas C Click to see all 369 reviews of Kim Jungles,
Loan Officer | NMLS ID #1690401


Quick Market Update: Where are we???

The media is reporting that available homes for sale is ⬆️ 18.7% over last year.

Let’s put that data into perspective.
As you can see from the graph, supply is up, but nowhere close to the normal amounts of 2017-2019…..

So, this should continue to support current home values, while also making it a much easier market for buyers now.


Lender Secrets Revealed! 05/02/2022

Lender Secrets Revealed!

Lender Secrets Revealed! Kim Jungles from Atlantic Coast Mortgage is telling all!I recently sat down with my friend, and lender referral partner, Kim Jungles to talk about buyer stra...


This graph gives a great visual of what's going on in the housing market right now. 🏡Homes are staying on the market for the least amount of time in the last 20 years. Just know we have strategies to help you win in this challenging market! 🙌

America is short more than 5 million homes, and builders can't make up the difference 09/15/2021

America is short more than 5 million homes, and builders can't make up the difference

America is short more than 5 million homes, and builders can't make up the difference The supply of homes for sale is near a record low, and the gap between supply and demand is widening as homebuilders struggle to keep up.


If you have not refinanced your 🏠 in the past 12 months, please pm me. I would love to do a free mortgage review to see if it’s beneficial for you.



Why You Need a Property Title Search

Buying a home is an adventure. One of the most thrilling times in life; it can also cause some stress. When purchasing a home, most people think the seller is authorized to sell the property; however, a claim or lien on the home could get in the way. That's where a property title search comes into play. The title search allows you to verify the home's legal owner and can also reveal if there are any claims or liens on the property. While not a deed, the title is your reference to ownership rights. When seeking financing, the search will be required by the mortgage lenders. A title company or attorney will be able to perform the property title search on the home.

HUD Aims to Boost Homeownership for Buyers With Higher Student Debt 06/18/2021

HUD Aims to Boost Homeownership for Buyers With Higher Student Debt

GREAT news for those carrying student loan debt and wanting to qualify for a mortgage!

HUD Aims to Boost Homeownership for Buyers With Higher Student Debt A relaxed student-loan calculation will likely qualify more Black and Hispanic buyers for federal government-backed loans.


In the Village of Middleburg ✅ (close to wineries!!!)
1/4 acre beautiful lot ✅
Well-maintained ✅
Single-family over townhouse- ALL day long 😍
Open House today, Sunday 1-3 6/13 ❤️❤️


Searching for some first-time homebuyer tips? You know I've got you covered!😊

1️⃣ Get Pre-Approved* before starting your home search

2️⃣ Know your budget and a monthly payment comfortable to you

3️⃣ Find out if you qualify for down payment assistance*

4️⃣ Ask your lender about low down payment options

5️⃣ Budget for closing costs and other expenses

6️⃣ Do not apply for credit or other major purchases before closing

Have any questions? Schedule a call with me today at: 💚


Just got this question: "Kim, when is this crazy market going to end?"

Wanted to share my answer to help anyone that is curious:

Experts think that the housing market will remain hot, or at least steady, even after Covid-19-related demand fades.

Because of these factors:

1) Millennials, the largest generation is just coming into their buying years.

2) Mortgage companies are continuing to shun loose lending strategies that were one of the main culprits of the 2008 meltdown.

3) Homeowners are staying in their homes longer.

4) Rising prices help the people that may not be able to afford their mortgage payments, because they can sell, rather than foreclose.

5) And then the biggest one: There just aren't enough homes for people to buy. New home builders didn't build enough homes over the last decade or so.

Here is a graph to help visualize how few homes were recently built.


Top 🔟 reasons why YOU, your neighbor, your co-worker and your 2nd cousin 🤪 aren’t getting quoted the same mortgage rates!!

🔟 - you obtained rate quotes on different days. Same day quotes are imperative!
9️⃣ - different credit scores
8️⃣ - different loan amounts
7️⃣ - different loan types: CONV, USDA, FHA, VA
6️⃣ - different loan needs: purchase vs. refi
5️⃣ - If refinancing—cash out vs. non cash out have different rates
4️⃣ - Is it an investment home, primary home or vacation home
3️⃣ - they paid points to get “said low rate” - and often didn't know
2️⃣ - different loan terms. 15,20,25,30 year can all vary in rates.
1️⃣ - different debt to income and loan to value ratios

If you want a real-time, honest and super competitive rate quotes on your next refinance or 🏡 purchase, please let me know.

And as always, if you have any mortgage related questions—I am here to help!


I just read a study from the National Association of Realtors that said: By the time someone is 30 years old they have paid an average of $100k in rent.
That's insane when low down payment options are available!

Reach out if you are planning to buy a home next year. No need for you to invest in someone else’s future. Let me help you invest in yours!

Homes for Sale, Mortgage Rates, Virtual Tours & Rentals |® 06/27/2020

Homes for Sale, Mortgage Rates, Virtual Tours & Rentals |®

6/26/2020 Market Update

Bidding War During the Pandemic

A new study from Clever revealed that 42% of homebuyers who made a purchase during the January to May time period ended up in a bidding war, demonstrating the strong demand for homes amid low inventory. In addition, the study showed the strains caused by COVID-19 shutdowns, which resulted in record-breaking numbers of workers filing for unemployment. According to Clever, 59.29% of homeowners who purchased their home before the World Health Organization declared the pandemic said that someone who typically contributes to housing costs lost their jobs during the pandemic. Meanwhile, those who purchased their home since March (50.48%) were less likely to have lost a job, while stimulus check payments contributed to down payments for 21.1% of homebuyers. Clever said that 84% of homebuyers who purchased their home before April 28th were able to pay their mortgage in full. Of recent homebuyers, 55% said they’re paying their mortgage in full, but only 45% are able to pay if a financial contributor has lost their job.1

Retail Sales Partially Bounce Back as the Economy Reopens

Retail sales and food services rebounded in May from the steep declines seen in March and April, recovering almost two-thirds of the previous months’ declines, according to the Census Bureau. Motor vehicle sales jumped 44.1% and sales at gas stations rose 12.8%. Sales at building supply stores jumped 10.9%, a positive sign for residential fixed investment. Core retail sales (excluding food services, auto, building supplies, and gas stations) rose 11.0%, the largest increase in series history. This was driven by large increases in sales at clothing stores, non-store retailers, and furniture stores.2

Purchase Applications Reach Highest Levels in 11 Years

A seasonally adjusted index measuring purchase applications jumped 8% last week, according to a report from the Mortgage Bankers Association. While the week prior saw the seasonally adjusted index rising to its highest level since January, this week the MBA reported the highest level in over 11 years. Just as mortgage applications increased, applications for refinancing’s also rose 10% from the week prior, signaling the second gain for refinancing in two months. “The housing market continues to experience the release of unrealized pent-up demand from earlier this spring, as well as a gradual improvement in consumer confidence,” said Joel Kan, MBA’s associate vice president of economic and industry forecasting.3

Pandemic Spurs Interest in Backyard Coops

Google searches for backyard coops to raise chickens reportedly have been on the rise since the beginning of the COVID-19 pandemic. Homeowners are exploring ways to have access to fresh eggs in a time when visiting the grocery store has become more stressful and food shortages grow. “Interest in some of my chicken articles has gone up over 500% since the end of February,” livestock expert Shelby DeVore, founder of Farminence, told®. “I’ve also had a huge response from people reaching out and looking for advice.” Chickens are affordable and relatively low-maintenance, and don’t require a lot of space, DeVoer says. “It’s a great way to become a little more self-sufficient without committing to an all-out homestead or completely self-sufficient lifestyle.”4

Sources: 1HousingWire, June 17; 2Fannie Mae, June 18; 3HousingWire, June 17; 4National Association of Realtors®, June 18

Homes for Sale, Mortgage Rates, Virtual Tours & Rentals |® Search real estate for sale, discover new homes, shop mortgages, find property records & take virtual tours of houses, condos & apartments on®.

Timeline photos 05/12/2020

In partnership with World Central Kitchen, I've pledged to make a donation for each loan closed, and ACM has also pledged to match my donation by 100%.

If you would like to partner with us, you can help us spread the word by simply referring clients, friends, and family who are currently in the market to purchase, build, or refinance a home.


BUSY '20?
The U.S. housing market is poised for a brisk year. In CoreLogic's latest Home Price Insights report, Chief Economist Dr. Frank Nothaft said, “The latest U.S. index shows that the slowdown in home prices we saw in early 2019 ended by late summer. The decline in mortgage rates has supported a rise in sales activity and home prices.” CoreLogic predicts home prices will rise 5.3% year-over-year by November.

Mortgage interest rates have hovered in a limited range for the last two months according to Freddie Mac. In its Primary Mortgage Market Survey for the week ending January 2, Freddie dubs the activity "welcome news after the interest rate turbulence of the last year, which caused a slowdown in the housing market," and declared that "the low mortgage rate environment combined with the red-hot labor market is setting the stage for a continued rise in home sales and home prices."

Average rent rose nationwide according to January's National Rent Report from Zumper. Rent for a one bedroom rose .4% in December to $1,217 per month, while average rent for a two-bedroom increased .1% to $1,440. In its survey of over 1 million active rental listings, Zumper says the majority of large rent growths nationwide occurred in the mid to lower tiered markets.


Happy Closing Day! Congratulations to Aaron and Melissa on the purchase of their first home! Amy Cummings Casciano you were a joy to serve with!


Curious as to what interest rates are doing? Here’s the last 30 days. Questions? Ask me!


Doing a happy dance! Find out why......

Timeline Photos 08/20/2019

I’m here to help you understand credit scores and how they influence the mortgage process. It’s not as scary as you think! What is holding you back from discovering the path to better credit?

Timeline Photos 08/02/2019

Happy Closing Day! And Welcome Home!

Timeline Photos 07/31/2019

Timeline Photos

Timeline Photos 07/29/2019

Join us tomorrow!


Timeline Photos 07/12/2019

Crazy busy in a good way! Live today with the amazing Brianna Goetting at her incredible Coming Soon! Two closings and off to watch my boy lax it up this evening!

Loan Officer

Kim Jungles | NMLS ID #1690401 | Loan Officer at Atlantic Coast Mortgage, LLC

Let me help you into your new home. I have the knowledge to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional in your corner. Contact me today, and let’s get started!

Videos (show all)

BREAKING NEWS - Interest rates NOT raised!
Buy Now vs. Later!
How to Improve your Credit Score
Mortgage Moments: Credit Score
Mortgage Moments!
Mortgage Moments




20365 Exchange Street, Suite 300
Ashburn, VA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 8am - 7pm
Sunday 8am - 7pm

Other Loans in Ashburn (show all)
Bill Malkoun at Waterstone Mortgage NMLS #241927 Bill Malkoun at Waterstone Mortgage NMLS #241927
44679 Endicott Drive, Suite 311
Ashburn, 20147

Bill Malkoun is a home loan mortgage originator at Waterstone Mortgage serving the Ashburn, VA commu

Nancy M. Espeland at Atlantic Coast Mortgage Nancy M. Espeland at Atlantic Coast Mortgage
20365 Exchange Street
Ashburn, 20147

Nancy M. Espeland | Team Production Manager, Loan Officer, NMLS ID# 1524904 | Atlantic Coast Mortgag

Tracy Bray at Atlantic Coast Mortgage Tracy Bray at Atlantic Coast Mortgage
20365 Exchange Street, Suite 300
Ashburn, 20147

Tracy Bray, Loan Officer, NMLS ID #310482 | Atlantic Coast Mortgage, LLC is an Equal Housing Lender

Brody Barrett at Atlantic Coast Mortgage Brody Barrett at Atlantic Coast Mortgage
20365 Exchange Street, Suite 300
Ashburn, 20147

Atlantic Coast Mortgage LO NMLS # 1853695 | Company NMLS ID #643114 (

Eric Mbualungu at Atlantic Coast Mortgage Eric Mbualungu at Atlantic Coast Mortgage
20365 Exchange Street
Ashburn, 20147

Eric Mbualungu, Loan Officer, NMLS ID 2322445 | Atlantic Coast Mortgage, LLC is an Equal Housing Len

The Ashley Smith Team at Atlantic Coast Mortgage The Ashley Smith Team at Atlantic Coast Mortgage
20365 Exchange Street, Ste 300
Ashburn, 20147

Atlantic Coast Mortgage, LLC is an Equal Housing Lender LO NMLS # 529694 Branch NMLS ID #1167353|Com

Ron Klabunde at Atlantic Coast Mortgage Ron Klabunde at Atlantic Coast Mortgage
20365 Exchange Street
Ashburn, 20147

Ron Klabunde, Loan Officer, NMLS ID 2250215 | Atlantic Coast Mortgage, LLC is an Equal Housing Lende

Day 1 Mortgage Day 1 Mortgage
44095 Pipeline Plaza, Suite 300
Ashburn, 20147

NMLS# 1889104

Glen Bralley  NMLS ID#: 233063 & 237341 Glen Bralley NMLS ID#: 233063 & 237341
20130 Lakeview Center Place #400
Ashburn, 20147

I am a dedicated mortgage professional with nearly 20 years of experience in the mortgage industry.

Ashburn Homes & Lifestyles Ashburn Homes & Lifestyles
43777 Central Station Drive, Suite 390
Ashburn, 20148

Nichole Curtis at Waterstone Mortgage NMLS #1678315 Nichole Curtis at Waterstone Mortgage NMLS #1678315
Ashburn, 25414

Nichole is a Producing Sales Manager at Waterstone Mortgage serving the Ashburn, Virginia, community.

Capital One Bank Capital One Bank
42410 Finale Square
Ashburn, 20148