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Building Dreams, One Loan at a Time

Your Local Trusted Mortgage Chick

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

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
4.91 out of 5.0 stars
4.87
5.0
emily t
Dec 24, 2024
Verified

The experience was great. The terms and conditions were fair. Pam and Magen made the process easier with their availbility to me and how they were willing to explain the process or any concerns, details that I did not unserstand. Thank you!
Renita
Dec 16, 2024
Dacula, GA
Verified

Because I am now in my house.And it was due to the help of pam and her team with megan and dave assisting
Mariana
Dec 10, 2024
Covington, GA
Verified

They were effective in their communications and were the most competitive! They made me feel comfortable during the whole process .
Ameca
Dec 02, 2024
Acworth, GA
Verified

The team was easy to work with. They provided really great advice and helped a lot with the process.
William
Nov 26, 2024
Woodstock, GA
Verified

No problems
Emilia
Dec 23, 2024
Hampton, GA
Verified

The experience was great. The terms and conditions were fair. PAM and Magen made the process easier with their availbility to me and how they were willing to explain the process or any concerns, details that I did not unserstand. Thank you!

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Awards

Causes I'm
passionate about

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