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Your Awesomeness is only exceeded by your Amazingness.  Thanks for being so kind. 

  [received this card today from a couple we were able to help]



Thank you Pam! You guys have made this entire experience so much less intimidating!  I had been so nervous to even start the house buying process for years and you guys made it fun and low pressure!  I will absolutely recommend you to anyone who is looking for a home!!!

Manny and Brittany, Oakdale

Thanks, Pam, for your help on my refinance.  You made the process so smooth.  You are a true professional.

Virginia, Truckee


I would highly recommend Pam, and the whole staff at Tri Valley Lending & Integrity First Realty.  My husband and I were very happy with our experience and would gladly refer them to our family and friends.  They were knowledgeable, timely, through and fought for us when necessary.  Also, they were kind enough to accommodate us by opening the office on a Saturday to work with our busy schedule.  This local business is tip-notch and as professional as they come.

Janie, Ripon

I was absolutely positive that I was never going to be a homeowner.  On the off chance that I might be wrong, I went to see Pam. She was highly recommended to me as the girl that "can do." I was sooo wrong, not only was I able to purchase, I got a wonderful home with zero down and the seller paid all my closing costs.  Better yet, I got a 3.25% interest rate.

Kris, Ripon

We went with Tri Valley Lending on Main St. (it is right across from my work). They got it done!  They were amazing and fast through the whole process!!  So fast it took only 2 weeks!! Thank you Pam and your whole team.  So friendly, too!!

Robert and Pam, Ripon

I have used Tri Valley Lending three times, which shows how much I respect and trust them.  They are professional, extremely knowledgeable and always very responsive.  It is clear in dealing with them that they have many years of experience.  Each time I have used them, they have made the process seemingly simple and efficient.  I would highly recommend them.  Thanks again Tri Valley!

Claire O, Ripon


We have used Pam multiple times over the past several years.  We have found her services to be accurate and very reliable. She is extremely patient and understanding; we would highly recommend Pam!

Shannon and Ellen B, Ripon

I have really enjoyed doing business with Pam and her staff.  I have purchased, sold, refinanced and repeated the process 2 more times with Pam.  She has been so helpful and always beats the others in rate and service.  Everyone is so friendly at her office and very knowledgeable.  Thank you for everything.

Anna S, Riverbank

What can I say, this team was fantastic again,  they took care of me when I bought and again with a much needed refinance.  Pam is always there to answer my call and any questions that I have.  I never feel that I am less important than anyone else.  She is the best around.

Juan R, Ripon

I was working with another loan officer and decided to call after a friend told me about Pam.  I was so happy that I did.  The other lender did not offer the same loan type as she did and I was thrilled she not only beat the rate buy the entire process was very easy and pleasant down to the signing. I highly recommend her.

Bonnie B, Ripon

I gotta say, this team Tri Valley Lending and Integrity First Realty, really know what they are doing and how to make the process of seller, buying and loan a very easy one.

I was so lucky that I met Pam, she was able to get me into a home using a Reverse Mortgage that I never knew was possible.  I am so happy, payment free from a mortgage and living in a home that I will be happy with for the rest of my days.  Thank you so much for making the golden years golden for me.

Diana M, Ripon

We went to see Pam and her team and somehow, someway, they were able to make our dream of home ownership come true again.  Life now is wonderful.  Thanks Pam & Ray.

William H, Ripon

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