Free First-Time Homebuyer Class

Ready. Set. Own.

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× Best Mortgage Company in Sacramento

✓ Live Q&A with a licensed mortgage advisor
✓ No cost, no obligation
✓ California buyers welcome
✓ A surprise local REALTOR® every class

3.5%

down on many programs, some go lower

$1.5K

out of pocket for a recent buyer

45 min

class plus live Q&A

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 to lock in your seat. You'll get the Zoom link the moment you register.

📅 Next class: Thursday, August 27 · 6:00 PM PT

💻 Live via Zoom · link shown after registration

Something went wrong. Please try again, or text us at (916) 732-2340.

Full name *

Mobile number *

Email *

Where are you looking to buy? *

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

✓

You're In!

Your seat for Thursday, Aug 27 at 6:00 PM PT is saved. Here's your Zoom link, save it now:

Join the Zoom Class → ＋ Add to Google Calendar

We'll also send a reminder before class. See you there!

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 · Client Reviews

Jennifer Martell, Mortgage Advisor

★★★★★

"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."

Google Review · First-time buyer, Sacramento

★★★★★

"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."

Google Review · #ChampionsOfLoans Team

★★★★★

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

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 to 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 easier."

✓

Fact: In most markets, a mortgage payment becomes more predictable, and often more affordable, than rising rent 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, for less than most people 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.

Real #ChampionsOfLoans client stories. Individual results vary. Down payment assistance availability and terms depend on program funding, geographic area, and borrower eligibility, and not all applicants will qualify.

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

Mortgage Advisor · 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.

PRMG · NMLS #335902

Ken Clark Jr.

Branch Manager · Moderator

With 28 years in the business, Ken has helped thousands of families build wealth through homeownership. He moderates the class and keeps it straight, honest, and easy to follow.

PRMG · Company NMLS #75243

Mariselo Armenta

This Month's Surprise Guest

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

The MORE Real Estate Group View profile

A surprise local REALTOR® joins every class. This month's guest is Mariselo Armenta of The MORE Real Estate Group, here to answer your questions from the buyer's side. 👀

Own a Home With Little to Nothing Down.

Save My Spot in Class

You're In!

Don't Just Take Our Word for It.

The Three Things Stopping Most Buyers Aren't Actually True.

Families We've Helped, and How Little They Put Down.

45 Minutes. Real Numbers. Zero Pressure.

Down payment assistance, explained

FHA, VA & conventional options

Your real buying power

Live Q&A

Your Class Hosts

Your First Home Might Be Closer Than You Think.