Your Local Trusted Mortgage Chick
Pam Rios
Senior Loan Officer
NMLS# 208089
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
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
Great communication and excellent service!
Great professionalism, service and overall support
Great job Pam and Magen, it was a pleasure working with you. Thank you
Pam and her team was great from start to finish, they walked me through the entire phase. Thank you Pam and Magen
Pam and her team were very knowledgeable and extremely helpful from start to finish making it a quick and smooth process .
It had been a pleasure working with you and your team Mrs. Pam Ros. Megan helped me with all my concerns. Any items that was needed she made sure to give me a call are just sent an email. Pam you are the best I appreciate your support. From the very beginning you made sure my loan got approved. Thank you so much for your patience and understanding my great need. Of course Dave you got all of the paperwork done quickly. I appreciate everyone’s team work. Go Team Ros
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