Pam Ola has worked in the mortgage industry since 2002 and has been with Guaranteed Rate since 2015. Throughout her professional career, she has received numerous top sales and leadership awards, as well as being a member of the Guaranteed Rate President's Club and has been ranked as a top 1% Mortgage Originator in the US. Pam grew up in New Jersey before moving to the Kansas City Missouri area over 30 years ago. She has had a long-standing history of serving the Kansas and Missouri community as a reliable mortgage lender, earning the trust and respect of many local real estate agents and builders. With her years of experience and in-depth knowledge of loan products, secondary markets, and underwriting guidelines, Pam and her team can help keep the loan process understandable and put their customers at ease during each step of the process. Pam attributes her success to her commitment to superior service, integrity, ethics, and building client relationships for life. She builds this relationship from the start by educating her clients and helps them find the best mortgage solutions that meet their unique and individual needs. She has extensive knowledge of FHA, VA, USDA, Conventional, and Jumbo financing options and her clients range from the first-time homebuyer to complex self-employed clients purchasing high-end homes and investment properties. Her business is 100% referral basis from present and prior clients, top realtors, and builders. If you are looking for a lender who will provide you with customized, exceptional service, you have found her!
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- Kansas City- Northland
- Purchase and Refinance - specifically in FHA, Conventional, USDA, and VA
|Loan type||Rate||APR||Discount points ($)||Mo. payment|
This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.