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Building Dreams, One Loan at a Time

Your Local Trusted Mortgage Chick

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
4.94 out of 5.0 stars
4.91
5.0
dearius
Mar 08, 2025
Verified

I wanna start by saying thank you guys so much, for putting in the work to make this happen for me.. Great job absolutely satisfying to work with you guys. i really appreciate it
Taylor
Mar 07, 2025
Verified

5 stars for Team Rios! Pam was recommended to me by my realtor when she was still with New American Funding, and I'm so glad I decided to stick with her team after they moved to Academy. Pam, Magen and their entire team were incredibly responsive, fast-moving and dedicated to making my first homebuying process seamless. Even when there was a hiccup with the specific loan program we'd chosen as we got closer to closing, they were able to switch my program to get me clear to close on time while keeping my locked rate (all while Pam wasn't even in town)! I appreciate all the hard work (and maybe a bit of magic) that Team Rios put into getting me to the closing table and recommend them without reservations.
marty p
Mar 07, 2025
Verified

i love working with Pam. she is very knowledgeable and doesn't mind explaining things to my clients. When I go to a builder and see her name on the list, I already know who I'm recommending!
Jaymi
Mar 03, 2025
McDonough, GA
Verified

Thank you Pam Rios for everything.
va m
Mar 04, 2025
Verified

From the first day I spoke with Mrs. Pam she was eager to help me. she never made me feel like I was a burden to her and she always helped me understand everything. thank you for making my dream come true, Pam Rios! You are the best!
Vanessa
Mar 03, 2025
Dacula, GA
Verified

From the first day I spoke with Mrs. Pam she was eager to help me. she never made me feel like I was a burden to her and she always helped me understand evwrything. thank you for making my dream come true, Pam! You are the best!

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Awards

Causes & Memberships

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