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Building Dreams, One Loan at a Time

Your Local Trusted Mortgage Chick

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

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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

Testimonials
4.92 out of 5.0 stars
4.89
4.98
Bridget
Oct 15, 2025
Hampton, GA
Verified

Great communication and excellent service!
Reshard
Oct 15, 2025
Jonesboro, GA
Verified

Great professionalism, service and overall support
Karen S
Oct 16, 2025
Verified

Great job Pam and Magen, it was a pleasure working with you. Thank you
Karen
Oct 09, 2025
Hampton, GA
Verified

Pam and her team was great from start to finish, they walked me through the entire phase. Thank you Pam and Magen
Bahiyah
Oct 15, 2025
Locust Grove, GA
Verified

Pam and her team were very knowledgeable and extremely helpful from start to finish making it a quick and smooth process .
Priscilla
Oct 14, 2025
Verified

It had been a pleasure working with you and your team Mrs. Pam Ros. Megan helped me with all my concerns. Any items that was needed she made sure to give me a call are just sent an email. Pam you are the best I appreciate your support. From the very beginning you made sure my loan got approved. Thank you so much for your patience and understanding my great need. Of course Dave you got all of the paperwork done quickly. I appreciate everyone’s team work. Go Team Ros

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #208089
I am authorized to do business in the states of Florida and Georgia.