Your Local Trusted Mortgage Chick
Pam Rios
Senior Loan Officer
NMLS# 208089
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
Pam Rios brings an impressive 39 years of experience in the mortgage industry, having achieved notable milestones such as being the first FHA direct endorsement underwriter in the United States Virgin Islands. Recognized in the top 10 of production and the top 1% in the country by Scotsman Guide, Pam has consistently demonstrated excellence, earning President’s Level status multiple times.
Pam’s dedication to her clients and agents is evident in her commitment to providing a 5-star experience. Her team, including her assistant Magen and processor David, who together have over 10 years of experience, work tirelessly to make borrowers’ dreams come true. With their combined knowledge and expertise, they strive to earn your business and be your trusted partners in 2024 and beyond.
Let Pam and her team guide you through your mortgage journey with empathy, pride, and unparalleled service.
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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.
Down payment assistance
FHA
VA
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
The team as a whole was great, friendly, prompt and considerate throughout the entire process of purchasing.
I truly appreciated the professionalism and the little details (answering questions, reminders, etc) that made my home purchasing experience fantastic. Everyone that I communicated with was friendly and made me feel very comfortable and valued througout the entire process.
From start to finish we had exceptional support!
It was seamless and the information stream was very timel. Anything they needed from me was asked and given immediately.
Everyone was willing to help as much as possible to secure the best rate under various situations. A little slow to get a response from Pam, as she was super busy (which suggests many people like to work with her), but she got back to me within a few hours. Great team. Thank you (Pam, Davy, and Megan)
Magen was excellent! She is very knowledgeable and patient. She had an answer for all my questions and she stepped me through all of the details throughout the process. She was always prompt in responding via call, text, or email. I couldn’t have asked for better service.
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