Business Details
Your Trusted Mortgage Partner in Sacramento
The Chris Kennedy Team has been dedicated to helping individuals and families achieve homeownership since 2000. With decades of combined experience in the mortgage industry, our team specializes in connecting clients with tailored loan solutions that meet their unique financial needs. We maintain strong relationships with over 20 banks and private investors to offer competitive rates and personalized service across Sacramento, Roseville, Yolo, and El Dorado counties. Our streamlined process includes on-the-spot qualifications, fast approvals, and comprehensive support throughout every stage of the homebuying journey.We pride ourselves on transparency, expertise, and a client-first approach that prioritizes long-term financial success over short-term transactions. Our team's military discipline, local market knowledge, and commitment to innovation ensure clients receive both technical excellence and genuine care throughout their mortgage experience.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Refinance Options
Down Payment Assistance
Investment Property Loans
Second Home Financing
Bridge Loans
Highlights and features
- We offer 20+ years of mortgage industry experience with established lender relationships
- Our team provides localized expertise in Sacramento and surrounding counties
- We deliver personalized loan solutions for unique financial situations
- We guarantee fast approvals and timely closings with dedicated support
- We maintain transparent communication throughout the entire mortgage process
What people say
Dedicated and available
Timely manner
Transparent communication
Knowledgeable professionals
Smooth process
Services
Conventional Loans
Predictable fixed-rate mortgages with stable payments and terms for qualified borrowers. These loans require higher credit scores and larger down payments compared to government-backed options. Our team helps clients understand eligibility requirements and select appropriate loan terms that align with long-term financial goals.
FHA Loans
Low down payment options for first-time buyers with flexible credit requirements. FHA loans require 3.5% minimum down payment and allow lower credit scores than conventional loans. We guide clients through the specific eligibility criteria and documentation needed for these federally insured mortgage programs.
VA Loans
Specialized financing for military families with no down payment requirements. These loans offer competitive rates and favorable terms for qualified veterans and active-duty personnel. Our team assists with verifying service eligibility and navigating the unique documentation process for VA-backed mortgages.
Reverse Mortgages
Financial tools for homeowners aged 62+ to access home equity without monthly payments. Borrowers can receive funds through lump sums, monthly payments, or credit lines. We provide detailed counseling about repayment terms and help seniors understand how these loans affect estate planning.
Down Payment Assistance
Special programs covering 1-3.5% of purchase price for qualified buyers. These grants reduce upfront costs while maintaining affordable monthly payments. Our team helps clients determine eligibility for state-specific programs and coordinates with housing authorities to secure funding.
People
Chris Kennedy
Senior Loan Officer
Sacramento native with 20+ years mortgage experience. Former Navy Damage Control fireman who leverages military discipline to build lender relationships. Specializes in connecting clients with tailored loan solutions across multiple counties.
Gissell Carrillo
Client Concierge
Bilingual Spanish-speaking client advocate who manages loan applications and document coordination. Born in Mexico and raised in the Bay Area, she ensures smooth communication between clients and processing teams while maintaining strict organizational standards.
Elizabeth Allison
Closing Coordinator
Experienced mortgage professional with focus on timely loan processing. Former financial aid administrator who rejoined the industry in 2015. Maintains constant client communication and ensures all documentation meets lender requirements for successful closings.
Brianna Her
Administrative Assistant
Detail-oriented UC Davis graduate who manages file reviews and client communications. Ensures compliance with lending guidelines while maintaining transparent information flow between clients, agents, and loan officers throughout the mortgage process.
Kelli Chao
Marketing Director
Creative marketing professional with expertise in digital advertising and brand development. Utilizes fashion merchandising background to enhance client experience through strategic communication and visual presentation of mortgage products.
Questions
What is a mortgage broker?
A mortgage broker connects clients with appropriate loan programs by working with multiple lenders to find competitive rates and suitable terms.
How does a mortgage broker save time?
Brokers handle lender negotiations, rate comparisons, and documentation coordination, streamlining the loan process for clients.
What documents are needed for a mortgage application?
Basic requirements include income verification, asset statements, employment history, and property details.
Is now a good time to refinance?
Refinancing can be beneficial for lowering payments, consolidating debt, or funding home improvements when rates are favorable.
What down payment assistance programs are available?
We offer 1-3.5% down payment options through state-specific programs with competitive terms for qualified buyers.
Can I buy a home before selling my current one?
Yes, we offer bridge loan solutions to help qualified buyers purchase new homes before selling existing properties.
