By Ken Clark Jr. · Certified Mortgage Advisor & Branch Manager · NMLS #225375 Last updated: May 17, 2026

Ken Clark Jr.

#ChampionsofLoans·Powered By PRMG Mortgage

#ChampionsofLoans

Buy a Home with a Strategy, Not a Guess

Different buyers need different paths. Pick the roadmap that fits you, then we'll match programs, run the numbers, and lock in a clear plan.

Schedule a Discovery Call Check Your Buying Power

Pick the path that fits where you are.

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First-Time Buyer

Never owned a home or haven't owned in the last 3 years. Step-by-step roadmap, down payment assistance options, and program stacking strategy to lower out-of-pocket costs.

Start the roadmap →

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Move-Up Buyer

You already own and want to buy your next home without selling first. Buy Before You Sell, bridge loans, and 5 Day HELOC strategies that keep your cash flow strong.

See move-up options →

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Investor Buyer

Building a rental portfolio or running a BRRRR strategy. DSCR loans, portfolio financing, short-term rental programs, and bank statement options for self-employed investors.

Explore investor loans →

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For many eligible veterans, VA financing can be one of the strongest mortgage options available. Potential $0 down options for eligible veterans, Tier 2 entitlement reuse, IRRRL streamline refinance, and VA jumbo strategies.

See VA loan options →

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Self-Employed Buyer

1099 contractor, business owner, real estate investor, or anyone whose tax returns understate their actual income. Bank statement loans, P&L only, asset-based, DSCR.

See Non-QM options →

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Need Down Payment Help

Search California and nationwide DPA programs. CalHFA, GSFA, NJHMFA, Chenoa, and county programs. Income limits and funding availability vary by location.

Run the DPA Finder →

What every buyer needs before house hunting.

Clear buying power. Run our Buying Power calculator to see realistic monthly payments using local Sacramento or NJ tax and insurance numbers, not generic national averages.
A current pre-approval. Sellers in competitive markets often won't review offers without one. In many cases, we can issue pre-approvals quickly once a complete application and required documentation are received.
The right loan structure. FHA vs Conventional vs VA vs Non-QM is not one-size-fits-all. The right loan depends on your credit, income, down payment, and goals.
Layered down payment assistance. Programs are real, but they have to be matched carefully to the buyer, property, county, income limits, and current funding availability.