Find out what home price you may qualify to buy, which loan programs may fit best, and how much cash you may need at closing. No hard credit pull to start. No pressure. Just a clear plan.
Take these in order or jump to whichever feels most urgent.
See an estimate of what home price you may qualify to purchase based on income, debts, and estimated payment comfort. No credit pull.
Check My Buying Power →Search 200+ down payment assistance programs by area. See which programs you may qualify for, including CalHFA, NJHMFA, GSFA, SHRA, and NHF.
Check Down Payment Help →Book a free 20-minute strategy call with Ken. Bring what you learned from Steps 1 and 2. Walk away with the loan program that may fit best and an estimated cash-to-close range.
Schedule 20-Minute Call →Estimates only. Loan approval, interest rates, program eligibility, and closing timelines depend on credit, income, assets, property, occupancy, market conditions, and current program guidelines. Subject to underwriting approval. Not all borrowers will qualify. Program availability may vary.
Every borrower is different. Your plan may include one or more of these depending on your profile.
Steps 1 and 2 use soft-inquiry data and self-reported inputs. Your credit score is not affected.
The plan is educational. You choose when and if you move to a formal pre-approval or application.
Ken Clark Jr. personally guides your plan. 28+ years in mortgage lending. NMLS #225375.
A homebuyer plan is a personalized snapshot showing what home price you may qualify to buy, which loan programs may fit your situation, and how much cash you may need at closing. It is built by a Certified Mortgage Advisor using your income, debts, credit range, and goals - without a hard credit pull to start. Eligibility depends on borrower profile and current program guidelines. Subject to underwriting approval.
No. The initial plan can be built using a soft credit range and self-reported income. A hard credit pull is only requested when you are ready to move forward with a formal pre-approval or loan application.
The interactive tools take about 5 minutes each. A live strategy call typically runs 20 minutes. Most first-time buyers walk away with a clear picture of program fit and estimated cash-to-close within the same day.
No. The homebuyer plan is educational and informational only. It is not a loan application, a commitment to lend, or a guarantee of approval or terms. Eligibility depends on credit, income, assets, property, occupancy, and underwriting.
Depending on your profile, program options may include FHA, VA (for eligible veterans), conventional, jumbo, USDA (for eligible rural areas), Non-QM (for self-employed borrowers), and state or county down payment assistance programs like CalHFA and NJHMFA. Program availability may vary.
Start with Step 1, or jump straight to a 20-minute strategy call. Whichever feels right for you today.
Disclaimer: This page is for educational purposes only and is not a commitment to lend or guarantee of approval. Loan programs, rates, terms, eligibility, and program availability are subject to change and depend on credit, income, assets, property, occupancy, location, and underwriting. Not all borrowers will qualify. Individual results vary. Equal Housing Opportunity. PRMG Mortgage NMLS #75243. Ken Clark Jr. NMLS #225375. PRMG is licensed in 49 states, excluding New York.