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The Chris Kennedy Team
Sacramento Mortgage Broker | Home Loans, Refinancing & VA Lending
Headquartered in Sacramento, The Chris Kennedy Team at Reliant Lending helps individuals and families confidently buy, refinance, and invest in real estate across Northern California.
Whether you're purchasing your first home, upgrading, or exploring investment opportunities, we bring a clear strategy to your financing—so you can move forward with certainty, not confusion.
Loan Solutions Built Around You
We offer a wide range of mortgage programs designed to meet the needs of today’s homebuyers and homeowners, including:
First-time homebuyer loans
VA loans for military and veterans
FHA and conventional home loans
Down payment assistance programs (CalHFA and more)
Jumbo loans and high-balance financing
Investment property and DSCR loans
Refinancing options (rate & term, cash-out, VA IRRRL, FHA streamline)
We also specialize in helping professionals and community heroes, including:
Medical professionals (physicians, dentists)
Teachers and educators
Firefighters, EMS, and first responders
State and local government employees
A Smarter Mortgage Experience
At The Chris Kennedy Team, the goal isn’t just to get you approved—it’s to structure your loan the right way from day one.
That means:
Fast, accurate pre-approvals
Clear numbers upfront
Strong communication with you and your agent
On-time closings you can rely on
No guesswork. No last-minute surprises. Just a process that works.
Local Expertise You Can Trust
As a Sacramento-based mortgage broker, we understand the local market—from Sacramento and Elk Grove to Roseville, Folsom, Yolo County, and El Dorado County.
If you're searching for:
Best mortgage lender in Sacramento
VA loan expert near you
Help with down payment assistance in California
A trusted home loan advisor
You’re in the right place.
Let’s Get You a Plan
Every great home purchase starts with a clear strategy.
Whether you're ready now or just exploring your options, we’ll help you map out the smartest path forward—based on your goals, your timeline, and your numbers.
Let’s talk.
Your total mortgage solution.
Helping ease you through the home loan process.
An exceptional experience in buying, selling, and refinancing!
Loans
Conventional
Predictable loans that feature fixed payments and terms
reverse mortgage loan
Allows homeowners age 62 and older to borrow from their home's equity without having to make monthly mortgage payments. As the borrower, you may choose to take funds in a lump sum, line of credit or via structured monthly payments.
Jumbo LOAN
Jumbo loans are also considered non-conforming loans because they exceed the conforming loan limit. Some counties may vary in conforming loan limits, so our experienced advisors will help you decide if your loan amount fits into the limits, or if a Jumbo loan is the right option for you.
Veterans affairs (VA)
Mortgage loan guaranteed by the United States Department of Veterans Affairs
Federal housing administration (FHA)
Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
Refinance
Refers to the process of taking out a new loan to pay off one or more outstanding loans. Borrowers usually refinance in order to receive lower interest rates or to otherwise reduce their repayment amount.
Client Testimonials
★★★★★
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