Clicky

Pamela Valadez, NMLS# 74006

Mortgage Loan Officer American Pacific Mortgage Everett Washington State
I understand the true impact of home ownership and I am passionate about the business of home loans. As my client, I am committed to finding you the right mortgage to meet your financial goals as well as creating a loan process from application to closing that runs as smoothly as possibly. I am dedicated to making your home financing experience a pleasant one.

As a Loan Officer and Operations Manager with over 20 years’ experience, I have gained a vast and in-depth knowledge of the Mortgage Industry and the many loan programs available. My sole focus as well as my expert support team is your home financing.

At American Pacific Mortgage, our loan programs include:
• Fixed and Adjustable Rate Mortgages
• FHA and VA Loans
• Jumbo Financing
• Renovation Financing
• Rural/USDA Home Loans
• Manufactured Housing
• State Bond Loans
• And many specialty programs such as STaR or Secure Lock & Build loan programs.

Give me a call and take the next step toward owning your new home or refinancing your future.

Equal Housing Opportunity
Jul 30, 2022
★ ★ ★ ★ ★
Pamela was always one step ahead and planning for what could and might happen. She was always straightforward and talked strategy to me on the plan she set out for me. Pamela was open for input and she truly valued me as her consumer. On another note, Snohomish Escrow wish they would have her for ALL of their loans. She made the process quick and painless. She truly is the best. Definitely would recommend her to each and everyone who needs a lender. Thanks again.
Jul 18, 2021
★ ★ ★ ★ ★
Pam was the greatest at keeping me informed, up to date, and was very clear and thorough on everything I needed to do since this was my first house purchase. She guided me on the best possible path for my situation. One of the best loan officers I could ask for.
Jun 9, 2021
★ ★ ★ ★ ★
Pamela was so helpful throughout the entire process. It made everything easy and stress free
Jun 8, 2021
★ ★ ★ ★ ★
Ms Pamela Valadez has done an amazing work on financing one property that it´s paper work is done and another property which is on it´s way to be finish by september this year.
She has always been aware of the different contingencies that appear during the long proces of financing and always completed with success watever needed to be done in that matter.
I surely recomend dear Pamela to whoever needs a financing planing and execution , she is most reliable .

alberto martorell june/06/2021
May 15, 2021
Speech Language Pathologish
★ ★ ★ ★ ★
Pam was a delight to work with! I didn’t think anything that had to do finances could go that smooth. She was very responsive and knowledgeable through the whole process. Would definitely recommend her to any of our friends and family.
Feb 17, 2021
Real Estate Broker/Buyer
★ ★ ★ ★ ★
Pam was absolutely fantastic! Many of our family members use her in all their real estate transactions. I am a real estate broker and will refer my clients to her from now on! We were first time home buyers and she made the lending process easy & stress-free! She always looked out for our best interest and kept us very informed. 10/10 recommend!!
Dec 12, 2020
★ ★ ★ ★ ★
Pam was fantastic! She explained everything and kept me informed all along the way. Was always there to answer questions. I trust Pam to the fullest. I referred my brother and his wife. Never has it been so smooth! I give Pam the highest recommendation and will use her again !
Nov 12, 2020
★ ★ ★ ★ ★
This was our 2nd time working with Pam as always it was a great experience. Pam helped us buy our first home 2 years ago and just now helped us refinance because of the low rates.

We would recommend Pam to anyone who is looking to buy a home or refinance.
Oct 28, 2020
Financial Adviser
★ ★ ★ ★ ★
Pam is such a joy to work with! She is smart, professional, very personable, and gave me great advice. She kept me updated on the status of the mortgage process. I have referred Pam to a number my clients who have been 100% pleased with her services as I have. Thank you for taking good care of me and my clients.
Oct 22, 2020
Firefighter
★ ★ ★ ★ ★
Pamela Valadez was extremely knowledgeable and reliable in helping us get and set up our financing for our new home. I believe that I could not have had better service from anyone else in this field. It was a great pleasure to work with Pamela! I recommend her for anyone interested in securing a home loan.
Oct 12, 2020
Homeowner
★ ★ ★ ★ ★
We have done a home refinance and more recently a 2nd home mortgage using Pam. She was awesome - a true seasoned professional, worked after hours to complete very complex and touchy deals.
Aug 10, 2020
Sr. Work Control Planner
★ ★ ★ ★ ★
Working with Pam was a complete joy. She was always in constant contact with us. Her insight and recommendations were extremely helpful in walking us through the mortgage process. I would highly recommend Pam for your mortgage needs.
Jul 1, 2020
★ ★ ★ ★ ★
Pamela presented excellent options based on what I was looking for. She understood my needs, worked with my realtor and found the correct product for me.
Jun 30, 2020
★ ★ ★ ★ ★
Totally satisfied with Pamela Valadez could not have done a better job
Jun 29, 2020
Homeowners
★ ★ ★ ★ ★
Very helpful. Easy to get ahold of. If we had questions, we didn't need to wait for days for Pamela to respond. She's the best! So knowledgable. We are finally finished with our refinance (the pandemic slowed things down). We are pleased with the results. We would definitely get in touch with Pamela again for any mortgage questions or concerns in the future. Shout out to Amy Schmitt for recommending Pamela to us.
Apr 29, 2020
Project Manager
★ ★ ★ ★ ★
Extremely pleased by the way Pam handled our loan process and all of of the work that was put in to make Jessica and I home owners. I will and am recomending Pam to anyone who is looking to start a new chapter in their life which I will know she will guide them to success. Thank you again Pam! See you on the next one! :)
Apr 28, 2020
Vicepresidente
★ ★ ★ ★ ★
She is always available, knowledgeable and very helpful 👍🏼
Mar 19, 2020
Retired
★ ★ ★ ★ ★
Pamela Valadez just refinanced our house. She made the process completely easy and smooth, from inception to closing. She even arranged an Escrow officer to come to our house to do the final signing, saving us a trip out in these perilous times. Pam was outstanding!
Dec 30, 2019
Client
★ ★ ★ ★ ★
I wish I could give Pam more than 5 stars! What a pleasure it was to work with Pam during my home-buying experience. She was patient and thorough and made sure I understood every part of the process. Pam is great at what she does and her kindness and care for her clients shines through her work. I highly recommend working with Pam and look forward to being her client again in the future!
Aug 7, 2019
Client
★ ★ ★ ★ ★
Pam was absolutely amazing throughout my home buying process! She was always available to answer any questions and really went above and beyond to get me my first house. I was working on a quick timeline and Pam made it happen! She is very knowledable and helped me to understand each step. She had great advice and was very personable! I would highly recommend Pam!
Feb 18, 2019
Bookkeeper
★ ★ ★ ★ ★
Pam was awesome, no one has worked harder and has been more dedicated to get me my home loan. Even when there were several hurdles to get over she never gave up! She was always available, even on weekends. Thank you Pam!
Dec 27, 2018
Home owner
★ ★ ★ ★ ★
Pam was fantastic the paperwork sailed through even had some minor challenges and they were taken care of in quick order would recommend Pam to handle my loan anytime
Sep 27, 2018
★ ★ ★ ★ ★
We had a wonderful experience with Pam and the team from start to finish. Couldn’t be happier! Thanks!
Sep 4, 2018
Quality Production Specialist.
★ ★ ★ ★ ★
Pamela was absolutely amazing to work with! My wife was a first time home buyer and she took the time to explain the process to her and answer all her questions throughout the process. Pam kept us updated throughout progress, which was very helpful. We can’t thank Pam enough for helping us make our dreams come true! We would highly recommend Pam and his team to our family and friends.
Aug 31, 2018
Elementary Special Education Director
★ ★ ★ ★ ★
I would never do businesses with anyone else! She has helped me with my first and second home in addition to a few refinances. She is a rock star! Cannot say enough good things abour her care and ease of process.
Show More

My Associations

Equal Housing Opportunity | NMLS #1850