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
Pam and her team were a pleasure to work with...Magen, Davy and Pam were very nice and patient. They are quick to respond and were fast processing my loan. They made sure the process was smooth seeing Im a first time home buyer. Definitely plan to use them again for other properties.
Pam and her team are amazing. Very responsive and took the time to explain anything that was not understood. 10/10
Pam and her team are amazing. Very responsive and took the time to explain anything that was not understood.
Pam Rios and her team made my entire experience smooth and enjoyable. I was truly impressed by the professionalism and quality of their work. Ms. Rios is highly knowledgeable in her field, and it shows. I will definitely be working with her again when I purchase my next home.
Pam is always great to work with.
Pam was very friendly and professional. She made the entire experience stress free and easy! From our first phone call, she immediately offered to help me fill out the application and she always made herself available at all times. I would highly recommend her to all of my family and friends!
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