Ken Clark Jr. Certified Mortgage Advisor

Ken Clark Jr., Certified Mortgage Advisor in Sacramento and New Jersey Lender

Ken Clark Jr. is a Certified Mortgage Advisor and Branch Manager at PRMG Mortgage, NMLS #75243. With over 28 years of experience in the industry, he focuses on designing mortgage strategies for first-time homebuyers, move-up families, veterans, self-employed borrowers, and real estate investors. His personal license is NMLS #225375 and he operates under the brand #ChampionsofLoans.

The firm is based in Sacramento, California, and serves clients in California, New Jersey, and the rest of the country, as PRMG is licensed in 49 states, excluding New York.

Mortgage Programs and Financing Solutions

The product lineup includes standard programs such as FHA, VA, conventional, jumbo, and high-balance. For those who need help with down payment, he offers access to assistance programs such as CalHFA, GSFA, SHRA, NHF (National Homebuyers Fund), and NJHMFA, with the possibility of stacking several of them. The firm notes that there are over 200 down payment assistance programs searchable by area.

For self-employed borrowers and investors, he offers bank statement loans, DSCR, P&L-only, and asset depletion. In the renovation and construction segment, he works with FHA 203k (Limited and Full), Fannie Mae HomeStyle, VA Alteration, construction loans, refinancing, HELOC, and IRRRL. He also offers a HELOC product that, according to the site, provides access to funds in as little as 5 days.

Strategy and Advisory Approach

Ken Clark Jr.'s approach is presented as strategy-based advisory rather than simply quoting rates. The stated focus is on building a plan tied to the borrower's timeline, credit profile, and goals, prioritizing wealth building and cash flow protection. Communication is described as direct and fast during business hours, with personal attention from an advisor rather than a call center.

Service Areas

In California, activity is concentrated in Sacramento and its metropolitan area, with counties served including 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 San Francisco Bay Area.

In New Jersey, he covers the counties of 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.

Awards and Ratings

The site highlights that Ken Clark Jr. has received the Gold Award three times in Sacramento and holds a 4.96-star rating based on 214 verified reviews. Verified reviews are collected on platforms such as Google Reviews, Zillow, Experience.com, Birdeye, and FastExpert, the latter an independent professional rating platform for real estate and mortgage advisors.

Buyer Resources

The firm offers free downloadable guides, including a first-time homebuyer roadmap with an eight-phase plan, a field guide to VA loans for veterans, active duty personnel, surviving spouses, and Guard and Reserve members, and a cheat sheet on down payment assistance programs in Sacramento, with stacking rules and cash-to-close calculations.

It also offers online calculators to estimate the total monthly payment (including taxes, insurance, PMI, and HOA), assess buying power, compare renting versus buying, calculate refinance savings, and measure the impact of HOA fees. These tools use local Sacramento tax and insurance assumptions, not generic national averages.

Location and Contact

1545 River Park Drive, Sacramento, CA 95815 · Phone: (916) 275-3469 · Email: kclarkjr@prmg.net · Hours: Monday to Friday: 08:00-18:00 | Saturday: 09:00-14:00