Tennessee Mountains
A Personal Invitation For

Chris
Kloc

Tennessee Market Leader

DiscipleshipDisciplineDelegation
Discover Your Future
The Vision

Built for a Man of
Purpose & Production

This isn't a job offer. This is an invitation to lead the Tennessee market with a team that shares your values, amplifies your strengths, and honors the calling on your life.

Discipleship

Lead with faith. Co-found the Scripture & Sales Mastermind with PJ Crescenzo. Build the Element Bible Study. Mentor the next generation of spirit-led loan officers.

Discipline

Top 1% production meets proven systems. 135 BPS banked compensation, $60K annual growth budget, and the operational infrastructure to dominate Tennessee.

Delegation

Build and lead a team of high-performers. 100% profit ownership with anticipated $240K annual profits. Your leadership multiplied across the state.

Partnership
Your Team

The Kloc Team
with Element Mortgage

Led by Chris Kloc — a Top 1% National Loan Officer who served 176 families in 2025 alone. A man of faith, a husband, a father, and a relentless producer. Together, you'll build something that outlasts both of you.

Top 1% National Loan Officer
176 Families Served in 2025
Faith-Driven Leadership
Chattanooga, Tennessee Base
The Offer

Your Compensation
Package

A deal structured for a market leader. Every number reflects the value you bring.

Sign-On Bonus
$0,000
36-Year Partnership Agreement
135 BPS

Banked Compensation

100 BPS

Broker Compensation

75 BPS

Branch Generated

100% Profit Owner
$0,000

Anticipated Annual Profits

Full ownership of your branch profits. Build your business, reap the rewards — every dollar earned is yours.

Sales Training Leadership

Lead 2x sales training sessions per quarter for Element Mortgage (if desired). Shape the culture. Multiply your impact. Build your legacy as a trainer and leader.

The Culture

Champagne Perdomo
CIGAR

At Element, we believe the best deals are built on genuine relationships. The Champagne Perdomo CIGAR tradition represents the moments where business meets brotherhood — where handshakes are sealed with trust, shared values, and a commitment to something greater than the transaction.

"Iron sharpens iron, and one man sharpens another."

— Proverbs 27:17
Champagne Perdomo CIGAR
The Movement

Scripture & Sales
Mastermind

Led by PJ Crescenzo & Chris Kloc

Faith Meets Production

A mastermind built at the intersection of scripture and sales excellence. Where loan officers sharpen their craft while deepening their faith. Not a Bible study. Not a sales meeting. Something greater than both.

Co-Founded & Co-Led

PJ Crescenzo and Chris Kloc bring together national sales leadership and spirit-led culture to create a movement within Element Mortgage. This is your opportunity to shape the future of faith-driven lending.

Weekly Mastermind Sessions

Scripture-rooted sales strategies and accountability

Mission-Driven Community

A brotherhood of producers united by purpose

Legacy Building

Impact that outlasts any single transaction

"As iron sharpens iron, so one person sharpens another."

— Proverbs 27:17
Faith & Scripture
Faith First

Spirit-Led
Culture

Element Mortgage is built on four pillars: Faith, Family, Fitness, and Finance. This isn't corporate lip service — it's the foundation of every decision, every hire, and every partnership. Zach Starnes left CCM and chose Element specifically because of its spirit-led culture. This is a place where your faith isn't just tolerated — it's celebrated.

Scripture & Sales Mastermind

Co-found with PJ Crescenzo — be a co-founder of this movement

2027 Element Mission Trip

Plan and lead with PJ Crescenzo — impact beyond the business

Four Pillars Culture

Faith, Family, Fitness, Finance — in that order

Your Partner

PJ Crescenzo

Vice President of Sales at Element Mortgage. A nationally recognized sales leader, College of Charleston graduate, and one of the fastest-growing executives in the mortgage industry. 1,500+ successful loan closings. Faith-driven. Legacy-focused.

Telluride, Colorado
The Invitation

Telluride, Colorado

Fly to Telluride and spend a day with PJ — or PJ flies to Tennessee to spend a day with you. This is how partnerships begin. Face to face. Heart to heart.

The Platform

Why Element

An autonomous division of American Pacific Mortgage — a Top 10 nationwide lender. Four divisions. One platform. Unlimited potential.

Residential

Full suite of home purchase & refinance options

Commercial

Investor, office, retail, multi-unit, business-purpose

Reverse

Specialized solutions for clients 62+

Non-QM

Flexible lending for unique financial situations

Top 10 Nationwide Bank

American Pacific Mortgage

Platform

Bank + Broker Flexibility

Technology

AI-Enabled & Tech-Forward

Next Steps

Your Chapter
Starts Here

Chris, this page was built for you — and only you. Every number, every detail, every opportunity on this page represents what we believe you're worth and what we know you can build. The question isn't whether you can do this. The question is: are you ready?

Option A

Fly to Telluride, CO and spend a day with PJ Crescenzo. Mountains. Vision. Partnership.

Option B

PJ flies to Tennessee to spend a day with you. Your turf. Your terms. Your future.

"For I know the plans I have for you, declares the Lord,
plans to prosper you and not to harm you,
plans to give you hope and a future."

— Jeremiah 29:11

Element Mortgage — An Autonomous Division of American Pacific Mortgage

Faith • Family • Fitness • Finance