#ChampionsofLoans · Powered by PRMG Mortgage NMLS #75243
Free class · Live on Zoom · Seats are limited
Free First-Time Homebuyer Class

Own a home with little to nothing down.

Join us live on Zoom to learn exactly how down payment assistance, FHA, VA, and conventional programs can get you into a home sooner than you think, no guesswork, no pressure, just real numbers for your situation.

🥇 GOLD AWARD · 3 Times Best Mortgage Company in Sacramento Live Q&A with a licensed mortgage advisor No cost, no obligation California buyers welcome Surprise local REALTOR® every class
3.5%down payment, some programs go lower
$1.5Kout of pocket for some past attendees
45 minto leave with a real game plan
Jennifer Martell
Ken Clark Jr.
Hosted by Jennifer Martell, Mortgage Advisor · Moderated by Ken Clark Jr., Branch Manager · plus a surprise REALTOR® guest
In partnership with
Reserve your seat

Save My Spot in Class

Fill this out and we'll text and email your Zoom link before class starts.

Next class: Thursday, August 27 · 6:00 PM PT
Live via Zoom, link sent after registration

We'll only use this to send your class details. No spam, ever.

You're in!

Check your email and phone, we're sending your Zoom link and a short prep guide now. See you Thursday, August 27 at 6:00 PM PT.

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Trusted by Sacramento families

Don't just take our word for it.

🥇
3× GOLD Winner
Best Mortgage Company in Sacramento · 2023, 2024 & 2025 · Sacramento Favorites
5.0 ★ · 97 Google Reviews
#ChampionsofLoans Team, Powered by PRMG
5.0 ★ · 145+ Reviews
Jennifer Martell, Mortgage Advisor
★★★★★

"His knowledge and expertise in the mortgage industry were evident from the get-go." As a first-time buyer, this client came in anxious about the process and left feeling like they were in excellent hands with Ken and the #ChampionsofLoans Team.

Google Review · #ChampionsofLoans Team
★★★★★

"She made the loan process easy and stress-free." A repeat client said working with Jennifer was professional from start to finish, and she'd recommend her and the team to anyone buying a home.

Client Review · Jennifer Martell
★★★★★

One client came back to Jennifer twice, first for their initial home purchase, then again just two months after closing on that same home when they were ready to buy again. That's the kind of trust this team is built on.

Client Review · Jennifer Martell
Before you write this off

The three things stopping most buyers aren't actually true.

These are the same questions we hear on almost every call. Here's the real answer to each.

Myth: "I need 20% down"
Fact

Many programs start at 3–3.5% down, and some qualified buyers close with just a few thousand dollars out of pocket.

Myth: "My credit isn't good enough"
Fact

Lenders look at your full picture, credit is one piece of the puzzle, not the whole story. We'll show you where you actually stand.

Myth: "Renting is just easier"
Fact

Rent keeps rising and builds no equity. In most markets, a mortgage payment becomes more predictable, and often more affordable, over time.

Real #ChampionsofLoans clients

Families we've helped, and how little they put down.

These are real clients of the #ChampionsofLoans Team. Every situation is different, but here's what's actually possible.

DPA AT AGE 20
Juan H. · Sacramento

A 20-year-old custodian and new dad, Juan used down payment assistance to buy his first home. He's since refinanced strategically and now owns two properties, renting one and living in the other.

$1,500 OUT OF POCKET
Engelbert & David · North Highlands

Using CalHFA's MyHome program, this couple went from renters to homeowners for about the cost of two months' rent, far less than most buyers assume it takes.

DREAM FOR ALL
Jason B. · Marysville

Jason grew up in foster care and never imagined owning a home. Through California's Dream For All shared appreciation program, he closed on his first home and finally had a place that was truly his.

What we'll cover

45 minutes. Real numbers. Zero pressure.

This isn't a sales pitch, it's a working session. Bring your questions and leave knowing exactly where you stand.

Down payment assistance, explained

CalHFA, SHRA, and other programs that can cover part, or in some cases all, of what you'd bring to closing.

FHA, VA & conventional options

Which loan type fits your situation, and how they can be layered with assistance programs.

Your real buying power

A clear, honest picture of what you can afford today, not a guess based on a rate you saw online.

Live Q&A

Ask anything, on camera or in the chat. We stay until every question is answered.

Who you'll meet

Your class hosts

Plus a surprise local REALTOR® guest, a different agent partner joins live every class to answer questions from the buyer's side.

Jennifer Martell

Jennifer Martell

Mortgage Advisor, PRMG · Class Host

Jennifer cuts through the noise around financing to find the right loan and down payment assistance for your story. She believes buying a home should feel exciting, not overwhelming.

Ken Clark Jr.

Ken Clark Jr.

Branch Manager, PRMG · Moderator

28+ years helping buyers build wealth through homeownership. Ken moderates the class and makes sure every question gets a straight, honest answer.

Mariselo Armenta

Mariselo Armenta

REALTOR®, The MORE Real Estate Group · This Class's Special Guest

Mariselo brings the buyer's-agent perspective to the table, walking attendees through what it's really like to compete for and win a home in today's Sacramento market.

Representing
Seats are limited

Your first home might be closer than you think.

It takes 30 seconds to register, and 45 minutes on Zoom to find out what's really possible for you.

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