Who I Am and What I Do
My name is Pam Abirached.
I'm a mortgage professional who is passionate about homeownership!
Whether you are a first time home buyer with a million questions and no idea where to start; a seasoned homeowner looking for a great homebuying experience; or an investor looking to acquire more
property - I’m here to help you!
Helping you Home.
I believe in quality over quantity. You are never just a number to me. Getting a mortgage is a BIG DEAL! Once we confirm we’re a good fit for each other, I take the time to guide you step by step through the mortgage process, ensuring you feel supported, informed, and excited about your home purchase.
Available Loan Programs:
Happy Homeowners
Emily
If you are looking for a top notch professional who is extremely knowledgeable, attentive, and kind, look no further. Pam Abirached and her team were phenomenal in helping us through our first time home purchase. In addition to securing us a great rate, she made the entire process stress free. She was there at any time of the day to answer questions, and would take the time to explain things in detail to us (even if we had already asked the same question a few times). Her professionalism is unmatched, and we will definitely be going back to her in the future when it is time to refinance. Thank you for going above and beyond, Pam!
Pam and the Abirached Team were amazing during our home buying journey. We had a complicated situation and they were patient, understanding, and went the extra mile to make sure we could have a smooth, on-time closing. We can't thank them enough for a wonderful lending experience.
Renee
Alyson
There really aren’t enough stars available to accurately portray the experience we had working with Pam and her highly capable and caring team. Pam knows what she’s doing: she’s efficient and consistently quick to respond. Her combination of professional excellence and sweet demeanor, combined with the fabulous work our realtor did, made all the difference in our offer getting accepted for our dream house. We are so grateful and recommend her without hesitation! Thanks so much, Pam!
We love Pam and her team at Cross Country Mortgage. My husband and I have worked with Pam over the past couple of years and she goes above and beyond. She’s super thoughtful and very caring of your needs and making sure your taking care of. We would recommend Pam and her team to anyone that needs a lender. She’s the best!
Brittany
Why Work With Me?
More than a Mortgage - It's About You!
Here’s how I make your mortgage journey
enjoyable, educational, and stress-free.
Personalized
Experience
You are a human, doing a very big thing! That isn’t lost on me. I understand that you don’t buy a home every day, and the process can be overwhelming, scary, and confusing. I make the entire experience easy to understand, educational, and personalized to YOU and your needs!
Clear
Communication
Other lenders rely on smoke-and-mirrors to get you into a mortgage, then use cringey sales tactics to make you pay more money. I think that’s gross.
That’s why I am clear and upfront with everything you need to know, answer all your questions, and walk you through every step!
Expert
Guidance
With over a decade in the industry, I have been through and seen it all. I know what issues could come up, how to navigate them before they become a hurdle, and what programs will be a good fit for you. I work hard for you so that you can focus on the fun things like what color you’re going to paint the living room.
Experience
Seekers
I pride myself on offering much more than just competitive rates. My clients come to me because they value a smooth, stress-free process, exceptional communication, and the kind of personalized attention that makes a difference. My clients don’t look for the lowest rate, they seek out the highest value.
the process
Here’s what you can expect, every step of the way
Initial Consultation
Application
Pre-Approval
Home Shopping
Under Contract
Disclosure Review
Processing
Underwriting
Appraisal
Closing
Celebration
Initial Consultation
This is a 15-minute appointment
where we will discuss your needs and wants, and make sure we are a good fit for each other.
Application
I will need your loan application and documents to get a full picture of your financial situation.
Pre-Approval
When you have completed the application and submitted your documents, I will review everything and determine what you qualify for.
Home Shopping
Once you’re Pre-Approved, you can look at houses and submit offers on homes you like!
Under Contract
If a seller accepts your offer, you are Under Contract! This is when we begin the loan process and you start inspections on the home.
Disclosure Review
You have a lot of documents to sign, and you will want to know what your payment, loan terms, & fees are! We will take about an hour to review everything and answer any questions you may have
Processing
The processor will review your contract, documentation, and all necessary paperwork. They will order your appraisal and prepare your file for underwriting.
Underwriting
I call the underwriters our “Mortgage Gods” - they are the ones who approve or deny your loan! Don’t worry - when you get pre-approved with me, I make sure you won’t be denied.
Appraisal
At some point between processing and closing, an appraisal will be completed. This is to make sure you are paying the right price for your home.
Closing
Once all the paperwork is done, we go to closing. You will sign lots of paperwork, the paperwork is recorded with your county, and you will officially be a homeowner!
Celebration
You bought a house!!! This is cause for celebration. Have a dance party, invite your friends over, or enjoy a beverage with your pup in your new back yard. You did it!
Let’s Chat!
what is a cdlp?
Certified Divorce Lending Professional
A CDLP is specially trained to have a more thorough understanding of mortgage guidelines
may not be able to make your scenario work. We look at the full picture of your scenario and make sure
we are getting you into the best situation possible.
Providing an exemplary mortgage experience has always been a top priority for me.
I very quickly learned that there was a huge gap in the lending experience for divorcing homeowners, and sought to make a difference for these individuals within my community. Since 2019, I have been turning “NO” into “YES” for many individuals who have not been paired with the right mortgage professional from the beginning. Whether you own a home and plan to keep it, are leaving the marital home, have never bought a home before, or anything in between...I will meet you where you are and promise to take amazing care of you! You are deserving of good information, and I will help you evaluate your needs not only for the present moment, but also help evaluate what’s important for your future.
Get in Touch
Email: pam.abirached@ccm.com
Follow me on social media
Personal NMLS 1424048 | Branch NMLS 2124179 | Company NMLS 3029
