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Pam Rios
Senior Loan Officer
NMLS# 208089
About me
Pam Rios has 39 years of experience in all areas of the mortgage industry. Some of Pam’s achievements have been designated as the first FHA direct endorsement underwriter in the United States Virgin Islands where she lived for 15 years. Pam has been recognized in the top 10 of production and recognized in the top 1% in the country as noted in Scotsman Guide for several years as well as achieving President’s Level status. Pam is dedicated to her clients, her agents, and has the commitment, empathy, and takes pride in her service level commitments to her clients and her team. She and her team work hard to ensure borrowers get a 5-star experience with the knowledge and expertise she and her team bring. Her assistant, Magen, and processor, David, have a combined experience of over 10 years. Together they make dreams come true. Allow them to earn your business. Let us be your guide, your go-to, your partner in 2024 and years to come.
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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.
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Testimonials
Pam was great throughout the entire experience. I really appreciate all her help with getting my client into his home.
It was pleasure working with Pam.
Pam and her team is an amazing team to worked with. They went above and beyond to get me qualified for the dream house my wife and I wanted. Additionally, Pam gave us every incentives and benefits for me as a veteran. Truly an hassle free and worry free journey with Pam in charge. Highly recommended if you ever planning on buying a house!!!
Working with Academy Mortgage Tem Rios was a great pleasure. The entire process was smooth and flawless. Very professional staff , always pleasant , courteous , patient , respectful and kind. The staff is always available willing to assist and answer my questions. They belief is that , whatever questions I may have they always have the knowledge to give the correct answer. Team Riots knows that purchasing a home is a huge investment , so they were always willing to answer my many many questions. Overall the entire experience was AMAZING. When it's time for another home purchase , I will be sure to call Team Rios ( Pam Rios and Megan )
Constant communication between Pam and her team was fantastic. She managed to worked out the little kinks in our contract and made it possible for my wife and I to purchased our dream house. I highly recommend Pam and her team to anyone looking to purchase a house, especially VA loan. Alot of incentives and benefits! A very happy customer. Thank you!
The team is great!
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