Your Local Trusted Mortgage Chick
Pam Rios
Senior Loan Officer
NMLS# 208089
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
I wanna start by saying thank you guys so much, for putting in the work to make this happen for me.. Great job absolutely satisfying to work with you guys. i really appreciate it
5 stars for Team Rios! Pam was recommended to me by my realtor when she was still with New American Funding, and I'm so glad I decided to stick with her team after they moved to Academy. Pam, Magen and their entire team were incredibly responsive, fast-moving and dedicated to making my first homebuying process seamless. Even when there was a hiccup with the specific loan program we'd chosen as we got closer to closing, they were able to switch my program to get me clear to close on time while keeping my locked rate (all while Pam wasn't even in town)! I appreciate all the hard work (and maybe a bit of magic) that Team Rios put into getting me to the closing table and recommend them without reservations.
i love working with Pam. she is very knowledgeable and doesn't mind explaining things to my clients. When I go to a builder and see her name on the list, I already know who I'm recommending!
Thank you Pam Rios for everything.
From the first day I spoke with Mrs. Pam she was eager to help me. she never made me feel like I was a burden to her and she always helped me understand everything. thank you for making my dream come true, Pam Rios! You are the best!
From the first day I spoke with Mrs. Pam she was eager to help me. she never made me feel like I was a burden to her and she always helped me understand evwrything. thank you for making my dream come true, Pam! You are the best!
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