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's knowledge, communication and interaction with buyers.
Pam, Magen and Davy were amazing. Each step of the process was clearly presented and easy to navigate. The team was profeasional and responsive no matter the time of day. The app made it easy to provide the required documentation preventing the endless swirl you always hear about when purchasing a home by being asked to submit the same documents numerous times. I really appreciate the team and will refer them to family and friends in the future.
Pam Rios is exceptional. I love her and I loved what she did for me. Excellent and impressive. She promised to me that she will make me close and she did it. other lenders struggled to get my application processed and I almost lost my house. But, PAM did it!!! She engaged and dedicated her time and skills to get me my house. I have nothing but love to show to her. She put me in beleiving in her and we worked hard together toward my closing. Lovely lady!!! I learned a lot with her, and I can tell that she is very well experienced and professional. I wish her nothing but the best of the best and i will share her name with my family and friends who want to get mortgage. Thank you PAM RIOS!!! You, your family, and your team stay BLESSED.
The loan was able to close quickly and without any issues!
Pam is very experienced and very knowledgeable. She is able to pull off/get the transaction done to the satisfaction of the clients, where other loan officers couldn't. Thanks Pam
I want to commend the excellent customer service provided by Ms. Pam, Ms. Megan, and Mr. Dumas. Ms. Pam was very enthusiastic and eager to work with me, and the entire team demonstrated patience and professionalism to ensure I received the best service possible. Additionally, Ms. Herbert offered a warm and welcoming experience at the beginning. Thank you to everyone for your outstanding support!
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