Ken Clark Jr. is a Certified Mortgage Advisor and Branch Manager with PRMG Mortgage. For 28+ years he has helped first-time buyers, move-up families, real estate agents, and investors structure mortgage strategy in Sacramento, California, New Jersey, and nationwide. PRMG is licensed in 49 states, excluding New York. Deep program knowledge across California and New Jersey first-time buyer assistance (CalHFA, NJHMFA, GSFA, SHRA, NHF), self-employed Non-QM, renovation, construction, and investor financing. Strategy first, not a rate quote.
Ken Clark Jr. is a Certified Mortgage Advisor and Branch Manager with PRMG Mortgage, helping homebuyers, homeowners, veterans, first-time buyers, and real estate investors build the right mortgage strategy.
Based in Sacramento, Ken serves clients across California, New Jersey, and the rest of the country. He specializes in FHA loans, VA loans, down payment assistance, refinance, jumbo loans, Non-QM loans, renovation loans, construction loans, and investment property financing.
With 28+ years of mortgage experience, Ken focuses on strategy first, not just quoting rates. PRMG is licensed in 49 states, excluding New York.
About Ken Clark Jr.
I help first-time buyers, move-up buyers, veterans, self-employed borrowers, and real estate investors navigate the right loan strategy, not just the rate of the day. Powered by PRMG Mortgage (NMLS #75243) and the #ChampionsofLoans Team.
Markets Served
Sacramento, the greater Sacramento metro, all 21 counties of New Jersey, and homebuyers nationwide. PRMG is licensed in 49 states, excluding New York.
Standard Programs
FHA · VA · Conventional · Jumbo · High-Balance
Down Payment Assistance
CalHFA · GSFA · SHRA · NHF (National Homebuyers Fund) · NJHMFA $22K stack
Self-Employed & Investor
Bank Statement · DSCR · P&L-Only · Asset Depletion
Renovation & Build
FHA 203k · Fannie Mae HomeStyle · Construction · Refinance · HELOC · IRRRL
NMLS #225375 · PRMG NMLS #75243 · Equal Housing Opportunity
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The 8-phase roadmap from credit prep to keys. Checklists for every step. Compliance-safe ranges, not guarantees.
View the guide →For veterans, active duty, surviving spouses, and Guard/Reserve. Eligibility, $0 down math, funding fee, Tier 2, and refinance.
View the guide →Every Sacramento Down Payment Assistance program. Stacking rules. Real cash-to-close math. One-page reference.
View the guide →Start with the question that matches your situation.
Free 2-minute eligibility check across every California Down Payment Assistance program PRMG offers, including CalHFA, GSFA, Chenoa, and city-specific grants. No credit pull, no obligation, just clarity on which programs you qualify for and how much you could receive.
Free · No credit check · 2 minutes
Every borrower's loan is different. Choose the option below that sounds the most like you and we'll guide you through the next steps with the right strategy and tools.
Step-by-step roadmap, document checklist, and pre-approval guidance for first-time buyers.
See the roadmap →Search 200+ DPA programs by your area. Stack programs to reduce upfront costs.
Check programs →Tap your home equity in as little as 5 days. Renovation, debt consolidation, or investment cash without touching your first mortgage.
Explore HELOC →FHA 203k Limited & Full, Conventional HomeStyle, VA Alteration. Finance the purchase and the rehab in a single loan.
See renovation options →Bank-statement loans, 1099 programs, DSCR investor loans, and asset-based qualification.
See Non-QM programs →Lower payment, shorter term, or cash-out, see if a refinance fits your goals.
Run the numbers →We focus on long-term strategy, building equity, protecting cash flow, and using the right loan structure for your goals, not just quoting a rate.
You'll get a clear plan tied to your timeline, credit profile, and goals, not a one-size-fits-all quote.
Fast, direct responses during business hours. You'll hear from a real advisor, not a call-center.
Conventional, FHA, VA, USDA, jumbo, DSCR, bank statement, 203k renovation, the full toolbox.
Realistic estimates using local Sacramento tax and insurance assumptions, not generic national averages.
Total monthly payment with taxes, insurance, PMI, and HOA, the real number.
Calculate My Payment →How much home can you actually qualify for given income, debts, and credit?
Check affordability →What's the real cost of waiting another year? See it modeled out.
Compare scenarios →Estimated monthly savings, annual savings, and break-even on closing costs.
Run a refi check →See how much more home the same payment buys without the HOA fee.
Run the comparison →Most loans come from one of these markets, but we're licensed coast to coast.
Counties served: Sacramento, Placer (Roseville, Rocklin, Lincoln, Auburn), El Dorado (Folsom, Cameron Park, Placerville, South Lake Tahoe), Yolo (Davis, Woodland, West Sacramento), Solano (Vallejo, Fairfield, Vacaville, Dixon), Sutter (Yuba City), Yuba (Marysville), Nevada (Grass Valley, Truckee), San Joaquin (Stockton, Lodi, Tracy, Manteca), Amador, Calaveras, Stanislaus (Modesto), and the greater Bay Area.
NJ counties served: Bergen (Hackensack, Paramus, Fort Lee, Englewood), Hudson (Jersey City, Hoboken, Bayonne), Essex (Newark, Montclair, Bloomfield), Union (Elizabeth, Westfield, Plainfield), Middlesex (Edison, New Brunswick, Woodbridge), Monmouth (Red Bank, Freehold, Long Branch), Ocean (Toms River, Brick, Lakewood), Morris (Morristown, Parsippany), Somerset (Bridgewater), Mercer (Princeton, Trenton, Hamilton), Passaic (Wayne, Clifton), Burlington, Camden, and Gloucester.
A 5-star experience starts with clear communication and ends with closing on time. Here's what clients have to say.
"Ken made our first home purchase in Sacramento feel completely doable. He walked us through every DPA option, answered every late-night text, and got us closed on time. Best mortgage advisor we could have asked for."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
"As a self-employed business owner I had been told 'no' twice before reaching out to Ken. He structured a bank-statement loan that worked, locked our rate, and we closed in under 30 days. Total game changer."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
"Ken refinanced our New Jersey home and saved us $487 a month. He explained the break-even math clearly and didn't push us into anything. Will use him again the next time we need financing."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
"We thought we needed $40k saved before we could buy. Ken showed us a CalHFA stack we qualified for and we closed with a fraction of that. Cannot recommend Ken Clark Jr. enough."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
"Ken's team responded to my application within 30 minutes on a Saturday. He referred us to a great Realtor, ran scenarios for three different programs, and got us into our dream home in Folsom."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
"Ken is the real deal. We are real estate investors and he structured a DSCR loan on our fourth rental that nobody else would touch. Honest, fast, and knows the niche programs cold."
Verified - see all reviews · Individual results vary based on credit, income, property, occupancy, market conditions, and program guidelines.
A snapshot of who I serve, where I lend, and what I specialize in.
First-time homebuyers, move-up buyers, real estate agents, real estate investors, self-employed borrowers, veterans, and active-duty service members.
Sacramento metro (Roseville, Elk Grove, Folsom, Davis, Rocklin, Granite Bay), New Jersey (Bergen, Camden, Middlesex, Monmouth, Hudson), and clients nationwide. PRMG is licensed in 49 states, excluding New York.
FHA, VA, Conventional, Jumbo, High-Balance, NJHMFA & CalHFA DPA, Non-QM, Bank Statement, DSCR, 203k, HomeStyle, Construction, Land, Farm & Ranch, Investment Property, Refinance, HELOC.
Strategy first, not just a rate quote. Each client gets a structured review of credit, income, programs, and goals before any pricing conversation. 28+ years built on referrals.
Ken Clark Jr., NMLS #225375 · PRMG Mortgage, NMLS #75243 · Equal Housing Opportunity
If you're researching late at night, start here. Every answer below is what we walk clients through on day one.
Often less than buyers initially expect. FHA may allow as little as 3.5% down, conventional first-time buyer loans may start as low as 3% down, and VA or USDA loans can be $0 down for eligible borrowers. California Down Payment Assistance programs (CalHFA MyHome, NHF, Dream For All) may cover all or part of the down payment and a portion of closing costs depending on eligibility and program funding. Cash-to-close estimates vary by purchase price, credit, program, seller credits, taxes, insurance, and reserves. We can model your specific scenario in a 20-minute call. Individual results vary; final approval is subject to automated underwriting and underwriting.
FHA can start as low as 580 with 3.5% down (lender overlays may push this higher). Conventional eligibility is driven by automated underwriting decision (Desktop Underwriter or Loan Product Advisor) rather than a fixed credit minimum; pricing tiers improve at 680 and 740. The VA itself does not set a minimum credit score; eligibility depends on automated underwriting decision, lender overlays, and overall borrower profile. Higher credit generally improves pricing and mortgage insurance. Credit improvements vary by borrower profile and credit history; no specific score change can be promised. Before you apply we can review your profile and discuss the steps that may apply to your situation.
Yes. Self-employed borrowers, business owners, 1099 contractors, and investors can qualify using alternative documentation: bank statement loans (12 or 24 months of deposits), 1099 income programs, DSCR loans (rental cash flow), P&L only programs, and asset-based loans. Tax write-offs don't have to disqualify you. The fix is structuring the loan around how your income actually works.
California DPA is a set of state, county, and lender-funded programs that help qualified buyers cover down payment and closing costs. Top programs include CalHFA MyHome deferred junior loan (up to 3.5% of purchase price), CalHFA First Mortgage with SHRA 2nd assistance, NHF (National Homebuyers Fund) (up to 10% forgivable after 5 years when funded), GSFA Platinum, and county programs through Sacramento HCD. Eligibility depends on income, county, credit, first-time buyer status, and program funding. Note on CalHFA Dream For All: the Dream For All shared appreciation program runs in limited application windows rather than continuously; the 2026 window closed March 16, 2026, and vouchers from the randomized drawing were released May 20, 2026. Check CalHFA for the current status before planning around it.
Pre-qualification is often available the same business day. From offer-accepted to closing typically ranges from approximately three to six weeks depending on loan program, appraisal turn-time, contingency periods, third-party turn-times, and how quickly documents are returned. Self-employed and non-QM loans may take additional time for documentation review. Timelines depend on multiple parties (lender, appraiser, title, escrow, seller) and are not guaranteed.
It depends on the math, not the headlines. When rates drop, home prices typically rise as more buyers re-enter the market. A buyer who waits 1 to 2 years for slightly lower rates may end up with nearly the same monthly payment while missing out on appreciation and equity build-up. Waiting makes sense if you're rebuilding credit, paying off high-DTI debt, or stabilizing income. Run a personalized comparison before deciding.
Ken Clark Jr. is a Certified Mortgage Advisor and Branch Manager at Paramount Residential Mortgage Group, Inc. (NMLS #75243). Ken's individual NMLS is 225375. Ken Clark Jr. serves clients through PRMG's national lending platform and is licensed in 49 states, excluding New York. Ken focuses on Sacramento and Northern California (Roseville, Elk Grove, Folsom, Woodland, Davis), New Jersey, and remote clients nationwide.
The right loan strategy should match the person, not just the property.
Help understanding credit, cash to close, payment comfort, down payment assistance, and the full path to approval.
VA loan strategy, potential $0 down options for eligible borrowers, entitlement review, VA jumbo options, and refinance planning.
Options for buying before selling, seller credit strategies, bridge-style planning, and payment comparison.
Bank statement loans, Non-QM options, asset-based strategies, and common-sense income review.
DSCR loans, investment property financing, cash-flow analysis, and portfolio growth strategy.
Payment review, debt consolidation options, equity access, HELOC options, and long-term mortgage planning.
Most clients work with us remotely (file uploads, e-signatures, FaceTime walkthroughs), but the door is always open in Sacramento.