UPDATE: Effective Wednesday March 25, 2020, we are closing lobby access at ALL of our branch locations until further notice. We will continue to operate via drive-up services and appointments during regular business hours. Read More
Rochester, MN Area
Since the year 2000, Pam has dedicated her career to helping people achieve the dream of owning their own home. Her exceptional knowledge of the many mortgage loan options and her love of helping people has landed her a seat among the top in the industry. In fact, the Minnesota Housing Finance Agency has recognized Pam as a top producing loan officer in the state every year since 2014. With years of experience in the mortgage business and strong ties to the Stewartville and Rochester communities, you can count on Pam to guide you seamlessly through a stress-free home-loan process.
First time buying a home?
Buying your first home can be both an exciting and overwhelming experience. Since this is your first time around, you probably have a number of questions about home loans, mortgage interest rates, and assistance programs intended for first-time homebuyers. How much is required for a down payment? What should my credit score be? Meeting with Pam will give you a chance to learn about the mortgage pre-approval process that programs available to help first-time homebuyers with down payments.
Looking to buy your next home?
If your current home isn't your "forever home", Pam can help you explore conventional mortgage loans, government loans, or even existing equity options to assist current homeowners in buying that dream cabin up north, rental property, or land for a new home. You can trust Pam to be your local expert in helping you find the right loan for your next home purchase or new build.
Interested in refinancing an existing loan?
Are you interested in consolidating debt or lowering your monthly mortgage payment? Refinancing may be your answer. Schedule an appointment with Pam to explore all of your options and to learn more about how refinancing may benefit you.
Advice from Pam: "There are times when no money out of pocket and/or no appraisal is needed for refinancing. Your rate doesn't necessarily have to lower a full 1% to make a refi worthwhile!"
“Thank you most sincerly to Pam for her exemplary work that got us the roof we are resting under. Words cannot express how grateful we are because of her. Thank you so much.”
– Isaac O. and family
“I have worked with Pam on many transactions in the past and will continue to recommend her to my present and future clients. Her knowledge and dedication assure the best possible results and she always knows the best plans available to the customer.”