Acceptance of terms
By accessing or using kenclarkjr.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the Site.
About the operator
This Site is operated by Ken Clark Jr., a Certified Mortgage Advisor and Branch Manager (NMLS #225375), under Paramount Residential Mortgage Group, Inc. (PRMG), NMLS #75243.
Informational purpose only
The content on this Site is for informational and educational purposes only. Nothing on this Site constitutes:
- A commitment to lend
- A guarantee of any specific rate, term, fee, or loan approval
- Legal, tax, or financial advice
- An offer to make a mortgage loan
All calculators, rate estimates, loan scenarios, payment estimates, affordability tools, and assistance program lookups are estimates only. Actual loan terms are subject to verification of income, employment, assets, credit history, property appraisal, title review, and underwriter approval. Results may vary materially from estimates shown.
Eligibility
The Site is intended for use by individuals 18 years of age or older who reside in the United States. By using the Site, you represent that you meet these requirements.
Geographic restrictions
Ken Clark Jr. and PRMG are licensed in California, New Jersey, and 47 other states. The Site is not intended for use in jurisdictions where it would be unauthorized.
NEW YORK: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Equal Housing Opportunity
PRMG is an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.
Communications
By submitting your information through any form on this Site, you consent to be contacted by phone, SMS text, or email, including via automated technology, at the contact information you provide. Consent is not required as a condition of purchasing any goods or services. Standard message and data rates may apply. Reply STOP to opt out of text messages at any time.
Intellectual property
All content on this Site (text, graphics, logos, calculators, schemas) is the property of Ken Clark Jr., PRMG, or their licensors and is protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or use this content for commercial purposes without express written permission.
Third-party links
This Site may contain links to third-party websites (CalHFA, GSFA, PRMG corporate, Formspree, Calendly, social media platforms, review platforms, etc.). We do not control these sites and are not responsible for their content, privacy practices, or terms of use. Access them at your own risk.
Disclaimer of warranties
The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or virus-free. To the maximum extent permitted by law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.
Limitation of liability
To the maximum extent permitted by law, Ken Clark Jr., PRMG, and their affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or any content on it, even if advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless Ken Clark Jr., PRMG, and their affiliates from any claims, damages, or expenses arising from your violation of these Terms or your use of the Site.
Governing law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any disputes shall be resolved in the courts of Sacramento County, California.
Changes to these terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
Contact
Questions about these Terms? Contact us at kclarkjr@prmg.net or (916) 275-3469.
For PRMG's corporate terms of use covering loan applications, see prmg.net/terms-of-use/.