I'm Ken Clark Jr., a Certified Mortgage Advisor and Branch Manager at PRMG. I help buyers compete like cash buyers, close in as little as 10 days, and protect their Earnest Money with a written guarantee. Sacramento, New Jersey, and nationwide.
"The lender is the biggest variable in any transaction. My job is to make sure that variable works in your favor."Ken Clark Jr. · Certified Mortgage Advisor · PRMG · NMLS #225375
Sellers love cash offers for one reason: certainty. No lender conditions, no last-minute surprises, no delays. The uncomfortable truth is that lenders derail deals all the time. Missed deadlines. Surprise conditions. Poor communication. When you work with me, you get a lender who has your name behind the transaction. The financing gives sellers the same certainty they'd have with a cash buyer in any market, anywhere I'm licensed.
I fully pre-underwrite your loan before you find a home. Your offer carries the same certainty as cash. Verified. Approved. No surprises for the listing agent.
Cash-Competitive FinancingMost financed offers take 30 to 45 days. I close in as little as 10. In a competitive market, that speed alone can be the reason sellers pick you.
10-Day Close AvailableIf a lender error on my part causes your loan to fail and the seller keeps your Earnest Money, I pay it back. Every dollar.
Earnest Money ProtectedIf my team makes a lender error that causes your loan to fail, and the seller tries to keep your Earnest Money Deposit, I will write you a check for the full amount. Not a marketing promise. A written guarantee. It's the reason I have buyers, agents, and partners who refer to me again and again.
*EMD Guarantee applies in documented cases where a lender error on Ken Clark Jr.'s part directly causes loan failure and contract cancellation. Specific terms are discussed at consultation. Not a commitment to lend. PRMG · NMLS #75243.
I specialize in fast, reliable financing for buyers in Sacramento, Northern California, New Jersey, Pennsylvania, and clients nationwide. From first-time FHA and VA, to jumbo move-ups, to bank statement and DSCR investor loans. My 10-day close and EMD guarantee are why agents and buyers refer me again and again.
Get fully pre-underwritten before you write your first offer. When your offer hits a listing agent's inbox, it should look like cash. That's my job.