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 Rios was awesome. As a first time homebuyer she walked me thru everything I would need. Step by step. Precise , professional & supportive throughout the entire process. Absolutely awesome.
Not only was Pam knowledgeable she showed a complete breakdown of all numbers that she would send to me. Although I was offered a better rate she showed to me my options regarding rate versus closing costs for me to choose. Pam was available consistently through this entire process via text message and any odd questions that I had she would get the answer to those. Furthermore, she never stalled on paperwork anytime we completed a step she sent everything immediately up to underwriting. Even with the homeowners insurance she provided me with a person who was able to give me great quotes. I definitely would recommend Pam again. I will also be referring her to several of my friends
Pam Rios and her team were so helpful in helping us buy our house! Answered all of our questions and walked us through everything with our first time buying! Couldn’t be more pleased working with them!
Pam was the ultimate professional! She was kind, supportive, and truly an expert in her field. This was our second time purchasing a home but the experience with Pam has been hassle free and smooth from the start. I appreciate you being a part of our home buying journey and for the amazing team at American Mortgage.
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
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