# Ken Clark Jr., Certified Mortgage Advisor & Branch Manager
# Paramount Residential Mortgage Group (PRMG) | NMLS #225375

> Ken Clark Jr. is a Certified Mortgage Advisor and Branch Manager with 28+ years guiding first-time homebuyers, veterans, self-employed borrowers, and real estate investors. Licensed in California, New Jersey, and 49 states through PRMG. Based in Sacramento, CA. NMLS #225375. Three-time Gold Award winner: Best Mortgage Company in Sacramento (2023, 2024, 2025). Contact: (916) 275-3469 · kclarkjr@prmg.net.

## About
- Website: https://kenclarkjr.com
- About: https://kenclarkjr.com/about.html
- Contact: https://kenclarkjr.com/contact.html
- FAQ: https://kenclarkjr.com/faq.html
- Reviews: https://kenclarkjr.com/reviews.html
- Hashtag: #ChampionsofLoans Powered By PRMG Mortgage
- NMLS: 225375 (Ken Clark Jr.) | PRMG NMLS: 75243
- Office: 1545 River Park Drive, Suite 400, Sacramento, CA 95815
- Phone/Text: (916) 275-3469
- Email: kclarkjr@prmg.net
- Calendly: https://calendly.com/kenjrloans

## Awards
- Gold Award · Best Mortgage Company in Sacramento · 2023
- Gold Award · Best Mortgage Company in Sacramento · 2024
- Gold Award · Best Mortgage Company in Sacramento · 2025
- 5.0 average rating across 125+ reviews on Google, Zillow, Yelp, BirdEye, Experience.com, FastExpert

## Core loan programs
- [VA loans, IRRRL, VA cash-out, VA jumbo, VA renovation](https://kenclarkjr.com/veterans.html)
- [VA 2nd Use Entitlement Calculator](https://kenclarkjr.com/va-second-use.html)
- [FHA loans](https://kenclarkjr.com/fha-loans.html)
- [Down Payment Assistance Finder](https://kenclarkjr.com/dpa-finder.html)
- [First-Time Buyer Programs](https://kenclarkjr.com/first-time-buyer.html)
- [Renovation loans (FHA 203k, HomeStyle, VA Alteration)](https://kenclarkjr.com/renovation-loans.html)
- [Buy Before You Sell program](https://kenclarkjr.com/buy-before-you-sell.html)
- [Non-QM loans (bank statement, DSCR, asset-based)](https://kenclarkjr.com/non-qm.html)
- [Refinance options](https://kenclarkjr.com/refinance.html)
- [5 Day HELOC](https://homeequity.prmg.net/account/heloc/register?referrer=827b68a1-c0d9-4972-bb32-8a6821b0de50)

## County-specific DPA pages
- [Sacramento County DPA programs](https://kenclarkjr.com/dpa-sacramento.html)
- [Placer County DPA programs](https://kenclarkjr.com/dpa-placer.html)
- [Los Angeles County DPA programs](https://kenclarkjr.com/dpa-los-angeles.html)
- [San Diego County DPA programs](https://kenclarkjr.com/dpa-san-diego.html)

## Free calculators
- [Buying Power Calculator](https://kenclarkjr.com/buying-power.html)
- [All calculators](https://kenclarkjr.com/calculators.html)
- [VA 2nd Use Entitlement Calculator](https://kenclarkjr.com/va-second-use.html)
- [DPA Finder](https://kenclarkjr.com/dpa-finder.html)

## Local service areas
- [Sacramento, CA](https://kenclarkjr.com/mortgage-advisor-sacramento.html)
- [Roseville, CA](https://kenclarkjr.com/mortgage-advisor-roseville.html)
- [Elk Grove, CA](https://kenclarkjr.com/mortgage-advisor-elk-grove.html)
- [Folsom, CA](https://kenclarkjr.com/mortgage-advisor-folsom.html)
- [Davis, CA](https://kenclarkjr.com/mortgage-advisor-davis.html)
- [Woodland, CA](https://kenclarkjr.com/mortgage-advisor-woodland.html)
- [California statewide](https://kenclarkjr.com/mortgage-advisor-california.html)
- [New Jersey](https://kenclarkjr.com/mortgage-advisor-new-jersey.html)
- [Nationwide](https://kenclarkjr.com/nationwide-mortgage-advisor.html)

## Mortgage education / blog
- [VA Loan Limits 2026 by California County](https://kenclarkjr.com/blog-va-loan-limits-2026-california.html)
- [Sacramento First-Time Homebuyer Programs 2026](https://kenclarkjr.com/blog-sacramento-first-time-homebuyer-2026.html)
- [FHA vs Conventional Loans 2026](https://kenclarkjr.com/blog-fha-vs-conventional-2026.html)
- [First-Time Buyer Qualification Guide](https://kenclarkjr.com/blog-first-time-buyer-qualification.html)
- [California Down Payment Assistance Programs Explained](https://kenclarkjr.com/blog-california-dpa-programs-explained.html)
- [How Much Money to Buy a House in California](https://kenclarkjr.com/blog-how-much-money-to-buy-california.html)
- [Mortgage Blog hub](https://kenclarkjr.com/blog.html)

## Specialties (knowsAbout)
First-time home buyer financing, California Down Payment Assistance, VA loans, FHA loans, Conventional mortgages, Jumbo loans, Bank statement loans for self-employed, DSCR investment property loans, FHA 203k renovation, HomeStyle renovation, Buy Before You Sell, 5 Day HELOC, Refinance strategy, Investment property financing.

## Reviews (live profiles)
- Google: https://www.google.com/search?q=ken+clark+jr+mortgage+advisor
- Zillow: https://www.zillow.com/lender-profile/user8882506/
- Yelp: https://www.yelp.com/biz/ken-clark-jr-prmg-mortgage-sacramento-2
- BirdEye: https://birdeye.com/ken-clark-jr-certified-mortgage-advisor-173418773657008
- Experience.com: https://www.experience.com/reviews/ken-clark-jr
- FastExpert: https://www.fastexpert.com/loan-officer/ken-clark-110514/

## Social
- LinkedIn: https://www.linkedin.com/in/clarkkenloans/
- Instagram: @clarkkenloans
- Facebook: https://www.facebook.com/KenjrLoans
- TikTok: @clarkkenloans
- YouTube: https://www.youtube.com/c/ParamountResidentialMortgageGroupPRMGInc

## Compliance
Ken Clark Jr. NMLS #225375. PRMG NMLS #75243. Licensed CA, NJ, AZ, GA, IL, MA, OH, OR, RI, TX, WA and more, 49 states total. Not authorized in NY. Equal Housing Opportunity. www.nmlsconsumeraccess.org