The #ChampionsofLoans Team Powered By PRMG Mortgage lends nationwide - PRMG is licensed in 49 states (everywhere except New York). Led by Branch Manager Ken Clark Jr. (NMLS #225375), our team helps first-time buyers, veterans, self-employed borrowers, and investors with FHA, VA, USDA, conventional, jumbo, renovation, refinance, and Non-QM financing - plus down payment assistance. Pick your loan officer below and apply online in minutes. Wherever you're buying, we've got you covered.
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
Our team of professionals is here to help you navigate the homebuying process. Pick your loan officer and apply online - each application routes directly to that advisor.
Every borrower's loan is different. Choose the option below that sounds the most like you and our team will guide you with the right strategy and tools.
Step-by-step roadmap, document checklist, and pre-approval guidance for first-time buyers.
Meet your advisor →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 for renovation, debt consolidation, or investment cash.
Explore HELOC →FHA 203k Limited & Full, Conventional HomeStyle, VA Alteration in a single loan.
See options →Bank-statement loans, 1099 programs, DSCR investor loans, and asset-based qualification.
See Non-QM →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 the right loan structure for your goals - not just quoting a rate.
A clear plan tied to your timeline, credit profile, and goals - not a one-size-fits-all quote.
Most online leads get a response in minutes. 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.
Estimates only. Not a commitment to lend.
Assumes taxes + insurance ≈ 1.45% of price annually. Estimates only.
State-aware property-tax estimate (PRMG table). Not a commitment to lend.
Estimates only. Actual savings depend on full underwriting.
Answer a few quick questions and our team will check which California DPA programs you may qualify for. Free, no credit pull.
Whether you're a first-time buyer, moving up, or refinancing, our branch offers the full toolbox of mortgage programs.
FHA, VA, and USDA loans with lower credit and down payment requirements - popular with first-time and veteran buyers.
Conforming and non-conforming options backed by private lenders, often with competitive rates for stronger profiles.
Bank-statement, DSCR, 1099, and interest-only programs for self-employed borrowers and investors.
Financing for higher-priced properties above conforming loan limits, plus flexible non-conforming structures.
FHA 203k, HomeStyle, and VA Alteration - finance the purchase and the rehab in a single loan.
Purchase or refinance options designed specifically for manufactured homes.
Most loans come from the greater Sacramento region, but PRMG is 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.
Real reviews for the #ChampionsofLoans Team Powered By PRMG Mortgage - voted Best Mortgage Company in Sacramento (GOLD) three years running: 2023, 2024 & 2025.
"Absolutely stellar service from Ken Clark Jr. and the #ChampionsofLoans Team! As a first-time home buyer, I was quite anxious about the mortgage process. From the moment we contacted Ken, we knew we were in excellent hands. His knowledge and expertise in the mortgage industry were evident from the get-go."
"Ken was great to work with. He was very informative, explained the whole process from beginning to end, and made the whole thing stress-free."
Voted Best Mortgage Company in Sacramento - GOLD Award three years in a row: 2023, 2024 & 2025. Ken Clark Jr. and the #ChampionsofLoans Team are backed by thousands of 5-star reviews across Google, Zillow, Birdeye, and Yelp.
If you're researching late at night, start here.
Less than most buyers think. With FHA you can put as little as 3.5% down, conventional first-time buyer loans start at 3%, and VA or USDA loans can be $0 down for eligible borrowers. California Down Payment Assistance programs (CalHFA MyHome, GSFA Platinum, Chenoa) may cover most or all of the down payment plus part of closing costs.
FHA can start as low as 580 with 3.5% down. Conventional loans typically want 620 or higher. VA loans usually require 580 to 620. Higher credit means a better rate and lower PMI. We can review your profile and recommend simple moves that often raise a score 20–60 points within a billing cycle.
Yes. Self-employed borrowers, 1099 contractors, and investors can qualify using bank statement loans (12 or 24 months of deposits), 1099 income programs, DSCR loans, P&L only programs, and asset-based loans. Tax write-offs don't have to disqualify you.
California DPA is a set of state, county, and lender-funded programs that help qualified buyers cover down payment and closing costs - including CalHFA MyHome, GSFA Platinum, and county programs through Sacramento HCD. Eligibility depends on income, county, credit, first-time buyer status, and program funding. Use our DPA Finder to check.
Pre-approval is usually same-day. From offer accepted to closing typically runs 12 to 21 days depending on property type, appraisal turn time, and how quickly you return documents.
We're at 1545 River Park Drive, Suite 400, Sacramento, CA 95815. Branch phone is (916) 732-2340, open weekdays 8:00 AM – 5:00 PM. Most clients work with us remotely, but the door is always open.
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, 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, equity access, HELOC options, and long-term mortgage planning.
For over two decades, Paramount Residential Mortgage Group, Inc. (PRMG) continues to be a Top 15 Leading Lender in the mortgage industry. As a privately held mortgage company and residential home lender, PRMG has successfully helped many borrowers purchase and refinance their homes throughout the United States.
PRMG is licensed in 49 states plus Washington, DC, and by the U.S. Department of Housing and Urban Development (HUD). We deliver a wide range of Jumbo, FHA, VA, USDA, and conventional loan products, along with cutting-edge technology and industry-leading customer service. PRMG is an agency-approved direct issuer to Ginnie Mae, as well as a licensed seller/servicer of Fannie Mae.
PRMG also gives back through its 501(c)3 non-profit foundation, PRMG Cares. To learn more, visit PRMG Cares. We're All In!
Open weekdays 8:00 AM – 5:00 PM. Can't visit in person? Contact us online or by phone and our team will get back to you.
