Pam Rios - LO Chic

4.5 star review received on Experience.com for Pam Rios by Dawn P - Great experience

New ★★★★★ 4.5 Star Experience.com Review by Dawn P Click to see all 734 reviews of Guild Mortgage - Pam Rios, Senior Loan Officer | NMLS # 208089

🍁 Fall is officially here! 🍂

Crisp air, cozy vibes, and a fresh season to dream about what’s next. 🏡✨

Happy First Day of Autumn! 💙

🏡 FHA LOANS: QUICK FACTS! 👀

You may not need 20% down, you don’t have to be a first-time buyer, and your credit score isn’t the only factor lenders consider.

Swipe through for a few FHA facts you’ll want to know before buying! ➡️

5.0 star review received on Experience.com for Pam Rios by Annie M - I am a repeat client/Realtor and I will be back!

New ★★★★★ 5 Star Experience.com Review by Annie M Click to see all 733 reviews of Guild Mortgage - Pam Rios, Senior Loan Officer | NMLS # 208089

What an exciting day for my college bound son he has found his college of choice, the future is so bright and wow what an impressive college go Dawgs!!!

EXCELLENCE. ❤️

I’m incredibly grateful for these kind words and for the trust my clients place in me and Team Rios. Helping my clients feel informed, supported, and cared for throughout the entire process is what it’s all about. 🏡🔑

Thank you for allowing us to be part of such an important journey. Your trust means more than you know! ❤️

Happy Guacamole Day! 🥑💚
Because everything is better with a little guac… just like homeownership! 🏡😂

How much should you really save before buying a home? 🏡💰

It’s not just about the down payment! Before you start house hunting, consider saving for:

💰 Down payment — Your required amount depends on the loan program and your qualifications. You may not need 20% down.

🧾 Closing costs — These can vary depending on your loan, property, and location.

🚨 Emergency savings — Try not to empty your bank account just to get the keys. Having a cushion for unexpected expenses can give you peace of mind.

📦 Moving & new-home expenses — Think movers, furniture, utility setup, repairs, and all those little “we need this for the house” purchases. 😂

📊 Your monthly budget — Make sure the payment fits comfortably into your budget, including taxes, insurance, HOA fees if applicable, and maintenance.

The goal isn’t just to save enough to buy a home—it’s to be financially comfortable once you’re in it. 💙

Ready to start planning? Let’s talk about your options!