The Chris Kennedy Team at Reliant Lending

The Chris Kennedy Team at Reliant Lending Chris Kennedy (NMLS Lic. No.971546) is your top choice! Top notch Mortgage Service in Sacramento
and
TV Show Host on American Dream TV.

As seen on Prime Video, YouTube Movies&TV, Tubi, Fire TV, Apple TV, Roku, CNBC, & Bloomberg TV. Native to the Sacramento area, Chris Kennedy grew up in Carmichael and went to El Camino High School. Soon after high school he went into the Navy and served 4 years as a Damage Control fireman aboard the USS Kitty Hawk. Using the hard work and discipline learned in the military he started in the mortga

ge industry in 2000 and has been a top producer ever since. Chris has established relationships with over 20 banks, private investors and local government in order to find the best lending programs to meet all his client’s needs. Chris and his team can help everyone from the first-time home buyer to the seasoned investor wanting to flip homes. They serve the greater Sacramento, Roseville, Yolo and El Dorado counties with on the spot qualifications, fast approvals, and on time closings.

Another nature trip in the books! 🌲🥾 Sometimes you have to trade loan files and interest rates for fresh air and a great...
09/08/2026

Another nature trip in the books! 🌲🥾 Sometimes you have to trade loan files and interest rates for fresh air and a great view.

A little reset goes a long way, but even out here, I’m never too far away if you need home loan advice. 🏡

Thinking about buying, refinancing, or just curious about your options? Send me the word HOME and let’s build a game plan. No pressure, just honest answers and a clear next step.

Your bonus could do more than fund a vacation, it might help fund your new home. 🏡💰If your bonus income has been consist...
09/04/2026

Your bonus could do more than fund a vacation, it might help fund your new home. 🏡💰

If your bonus income has been consistent and is expected to continue, a lender may be able to count it when you qualify. The key is having the right history and documentation.

Every situation is different, so don’t count yourself out before running the numbers.

Thinking about buying? Comment BONUS or DM me HOME, and let’s see what’s possible.

09/03/2026

🏡 You make good money. Your credit is solid. You’ve got money in the bank… so WHY did the lender say no?

This happens way more than people realize.

Mortgage guidelines aren’t always common sense. Sometimes it’s how your income was calculated, how long you’ve been receiving it, a write-off on your tax returns, or one little guideline that completely changes the deal.

And here’s the important part: one lender saying “no” doesn’t always mean the answer is no.

Different lenders. Different programs. Different ways to structure a loan.

Before you give up on buying the house, get a second opinion.

👉 Been told you don’t qualify? DM me “WHY” and send me the scenario. I’ll tell you what I see—and whether there’s another way to get it done. 🔑

09/02/2026

🇺🇸 Veterans — your VA loan benefit isn’t necessarily a one-and-done deal.

One of the biggest misconceptions I hear is:
“I already used my VA loan, so I can’t use it again.”

Not necessarily. 👀

Depending on your remaining VA entitlement, you may be able to keep your current home AND use your VA benefit to buy another one. 🏡🏡

That can be a pretty powerful tool if you’re moving, upsizing, relocating, or simply don’t want to sell your current home.

The key is figuring out what your remaining entitlement actually allows you to do before you start house hunting.

👉 Already have a VA loan and wondering if you can buy again? DM me “VA” and I’ll run the numbers for you. No sales pitch just an answer.

09/01/2026

🏡 A lender told you NO? That doesn’t always mean you can’t buy a house.

I see this all the time especially with nurses, physician assistants and other professionals.

Sometimes the problem isn’t your income. It’s how the lender is calculating it.

Overtime. Bonuses. Shift differentials. Multiple jobs. Variable hours. There can be a lot more to the story than what shows up on a paystub.

Before you assume you can’t qualify, get a second opinion. There may be another way to structure the loan.

Been told you don’t qualify? DM me “SECOND OPINION” and let me take a look. Worst case, you get clarity. Best case… we figure out how to get you the keys. 🔑

08/28/2026

Shopping for a mortgage does NOT mean wrecking your credit. 👀🏡

This is one of the biggest myths I hear from homebuyers.

You can compare lenders, rates, fees, and loan options without taking a separate credit-score hit every single time as long as those mortgage inquiries fall within the applicable rate-shopping window.

And you SHOULD shop around. A small difference in rate or fees can mean thousands of dollars over the life of your loan.

Don’t let fear of a credit pull keep you from asking questions and comparing your options.

👉 Thinking about buying or refinancing? DM me “CREDIT” and I’ll show you how to shop smart without unnecessarily beating up your score.

What if mortgage rates drop after you buy? 👀Good news! You’re not necessarily stuck with that rate forever. Depending on...
08/25/2026

What if mortgage rates drop after you buy? 👀

Good news! You’re not necessarily stuck with that rate forever. Depending on your situation, you may have options later, like refinancing, lowering your payment, changing your loan terms, or reducing interest costs.

The key is buying a home that makes sense for you today, while keeping an eye on your options for tomorrow. 🏡

Have questions about your options? DM me “RATE” and let’s talk.

Paying child support doesn’t automatically mean you can’t buy a home. 🏡Lenders look at the big picture, including your i...
08/24/2026

Paying child support doesn’t automatically mean you can’t buy a home. 🏡

Lenders look at the big picture, including your income, monthly obligations, debt-to-income ratio, and payment history.

So if you’re paying child support and thinking about buying, don’t count yourself out just yet. Your situation may be more workable than you think.

💬 Have questions about qualifying? DM me “HOME” and let’s talk about your options.

08/21/2026

Turned down by your lender? Don’t count yourself out just yet. 👀🏡

Getting a “no” on your mortgage can be frustrating, but it doesn’t always mean you can’t buy a home.
Sometimes it’s your credit. Sometimes it’s income, debt, documentation, or simply the loan program you applied for.

The important part? Figure out what went wrong and what you can do next. If you’ve been turned down or you’re worried you might not qualify,

DM me “OPTIONS” Let’s see what we can work on.

Your first “no” doesn’t have to be your final answer. 🙌

Address

2100 Northrop Avenue, Suite 900
Sacramento, CA
95825

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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