Same-Day Broker Visit Sheet — Tuesday, April 28, 2026

Plan

Goal: Stop at 4 mortgage offices on the way from home to work, introduce Kings Mortgage in person, drop off treats, and identify which offices are most relevant for self-employed, tougher-file, and low-doc borrower conversations.

Start: Home — 3201 Norris Ave, Sacramento, CA 95821

Finish: Work — 1011 K St, Sacramento, CA 95814

Route priority: Real confirmed offices first, then best route efficiency from home toward downtown/work.

Final Route Order

1. City Center Financial

Address: 3626 Fair Oaks Blvd, Suite 100, Sacramento, CA 95864

Primary contact: Samuel Heng

Email: lender@gocitycenter.com

Why this stop matters:

Confirmed Sacramento office

Best first mapped stop from home before swinging east toward Howe

Keeps the route efficient while adding another active local office

Suggested opener:

“Hi, I’m Ross with Kings Mortgage. I’m introducing myself to a few Sacramento-area offices that look active and growth-minded, and I wanted to stop by in person.”

What to learn:

How active is the office?

Do they handle standard retail only, or more complex borrower situations too?

Who is the real relationship person here?

2. New Way Mortgage

Address: 1111 Howe Ave #510, Sacramento, CA 95825

Primary contact: Jennifer Remedios or Aaron Clowes

Phone: (916) 465-6639

Email: jenniferremedios@newwaymortgage.com

Why this stop matters:

Strongest confirmed fit for self-employed and P&L borrowers

Direct match for Kings Mortgage’s tougher-file angle

Founder-led office, better odds of a useful real conversation

Suggested opener:

“Hi, I’m Ross Rojek with Kings Mortgage. I’m making a few in-person stops with Sacramento mortgage offices that seem especially relevant for self-employed and tougher-file borrowers, and your office stood out.”

What to learn:

Are they actively handling P&L or self-employed borrower files?

Do they ever need help placing harder loans?

Who is the better long-term relationship?

3. The Chris Kennedy Team at Reliant Lending

Address: 2100 Northrop Ave, Suite 900, Sacramento, CA 95825

Primary contact: Chris Kennedy

Email: chris@thechriskennedyteam.com

Why this stop matters:

Confirmed local office

Better in-person candidate than unconfirmed CB Loans

Keeps you in the same general corridor before turning toward downtown/work

Suggested opener:

“Hi, I’m Ross Rojek with Kings Mortgage. I’ve been meeting a few Sacramento mortgage teams in person and wanted to stop by, introduce myself, and get a feel for your office.”

What to learn:

What borrower types they serve most often

Whether they ever need help with harder or less standard files

Whether Chris is the right long-term relationship or there is another operator on point

4. Albert Chavez HomeLoan Team

Address: 917 7th St, Sacramento, CA 95814

Primary contact: Albert Chavez

Why this stop matters:

Confirmed downtown office close to your work endpoint

Useful final stop before landing at K Street

Cleaner real-world route choice than the weaker CB Loans / Val-Chris candidates

Suggested opener:

“Hi, I’m Ross with Kings Mortgage. I’m making a few in-person stops with Sacramento-area mortgage operators and wanted to introduce myself before heading into the office.”

What to learn:

Whether they are actively growing

What kind of deals they see most often

Whether there is any fit for tougher-file referrals or future relationships

Best Route Logic

Home → Stop 1

Home: 3201 Norris Ave, Sacramento, CA 95821

Drive to City Center Financial

Stop 1 → Stop 2

City Center Financial → New Way Mortgage

Stop 2 → Stop 3

New Way Mortgage → The Chris Kennedy Team at Reliant Lending

Stop 3 → Stop 4

The Chris Kennedy Team at Reliant Lending → Albert Chavez HomeLoan Team

Stop 4 → Work

Albert Chavez HomeLoan Team → Work: 1011 K St, Sacramento, CA 95814

Suggested Timing

**8:40 AM** leave home

**9:00 AM** City Center Financial

**9:20 AM** New Way Mortgage

**9:45 AM** Reliant Lending / Chris Kennedy Team

**10:15 AM** Albert Chavez HomeLoan Team

**10:30 AM** arrive near work / buffer time

Adjust for traffic and whether any office turns into a longer conversation.

Why The Route Changed

The original 4-office concept was useful as a planning sketch, but Google Places check changed the final route:

**New Way Mortgage** confirmed ✅

**City Center Financial** confirmed ✅

**CB Loans** not cleanly confirmed as a real in-person office stop for tomorrow ❌

**Val-Chris Investments** resolved to Irvine, not Sacramento ❌

So the route was upgraded to use confirmed Sacramento offices you can actually drive.

After mapping the real stops, the final order was adjusted again for actual drive efficiency:

City Center Financial

New Way Mortgage

The Chris Kennedy Team at Reliant Lending

Albert Chavez HomeLoan Team

What Success Looks Like

Leave each office with:

a real name

a direct line if possible

a read on whether they are active and growth-minded

a read on whether they fit Kings Mortgage’s self-employed / tougher-file niche

a reason to revisit or exclude later

Quick Questions To Ask Anywhere

1. What kinds of files are you doing most right now?

2. Do you ever get self-employed or tougher-income files that are hard to place?

3. Who should I stay in touch with after today?

4. Are you trying to grow this year?

5. Where do deals get stuck for you?

Route Notes

Last week’s visited offices are excluded by default:

- Kappel Mortgage Group

- Golden Bay Mortgage Group

- Capital City Lending

- West Coast Mortgage Group

Visit history is tracked in:

- `kings-mortgage/broker_office_visit_log.md`