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Pamela Martin Mcgargill

Pamela Martin Mcgargill

Loan Officer

8400 E Crescent Parkway, Suite 250, Greenwood Vlg, CO 80111
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
5.0
Chris
Feb 05, 2024
Verified

Fantastic communication to the listing side of the transaction.
Matthew
Feb 05, 2024
Verified

Because Pam and Melanie make everything so simple and easy
Strawberry
Dec 11, 2023
Verified

Pam's attention to detail, her thorough explanation and responsiveness!
Michael
Dec 11, 2023
Verified

Pam and Melanie were so helpful, they answered all my questions and explained all aspects of our mortgage. I hope to refi if the rates go down and will call Pam first!
D'Anna
Jun 10, 2022
Verified

Pam was professional kind patient and knowledgeable! We will definitely be referring her to those of our friends who might be looking to buy a home or refinance their current home.
Stephanie
May 22, 2022
Verified

Incredibly helpful knowledgeable. Friendly and warm.

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NMLS ID #514802
I am authorized to do business in the states of California, Colorado, Florida, Iowa, Kansas, Nebraska and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;