Caleb Jennings, Branch Manager NMLS # 1688645
John Kambs, Branch Manager NMLS # 224285
Caleb Jennings and John Kambs were drawn to mortgage lending because it combines finance, problem-solving and helping people achieve the milestone of homeownership.
With 32 years of combined experience, Jennings and Kambs, branch managers of the Kambs Jennings Group at Rate, have seen every market cycle and lending scenario imaginable. Clients benefit from their deep product knowledge, creative problem-solving and access to a wide range of financing solutions. “Because we work with first-time buyers, luxury clients, self-employed borrowers, investors and union members, we have developed expertise across multiple market segments rather than focusing on a single niche,” they explain.
Jennings and Kambs lead a top-producing team focused on delivering exceptional service. Clients regularly describe them as responsive, knowledgeable, transparent and solutions driven. Whether they are working with a buyer navigating the mortgage process for the first time or with an experienced investor evaluating financing options, the team uses clear and proactive communication to make the process manageable and enjoyable.
Early in their careers, Jennings and Kambs recognized that many consumers felt overwhelmed by the mortgage process and often lacked access to trusted guidance. “We saw an opportunity to educate clients, simplify complex financial decisions and create a better experience,” they share. “Over the years, that mission has evolved into helping thousands of families build wealth through real estate while serving as a trusted resource for clients and referral partners alike.”
One of Jennings and Kambs’ greatest accomplishments has been continuing to grow their business while maintaining a highly personalized client experience. Licensed in all 50 states, they report that one of the most rewarding aspects of their work is seeing clients who once thought homeownership was out of reach purchase homes.
Rate, Inc. is a private corporation organized under the laws of the state of Delaware. It has no affiliation with the U.S. Department of Housing and Urban Development, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture or any other government agency.
