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Operations Manager

Pamela Valadez

NMLS #74006

Operations Manager | Loan Advisor • Everett Branch

Cell: 425.238.7310
Direct: 425.274.2265
Fax: 425.274.2266
Licensed in WA

About Pamela


I understand the true impact of homeownership 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 Keys on Time or Secure Lock & Build

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

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 9820

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. A competitive advantage on the home you are listing. With our Seller’s Edge program, attract more buyers and sell your home faster by offering closing cost credits. Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Qualify for financing in as little as one year after a financial hardship. We can help get you back in the game for a home loan up to $2M on an owner occupied property. Investor Advantage gives you the most purchasing power in the market today for investment properties. A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. Purchase a home with low down payment and flexible sources of funds. Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines.

Home Buyer Blog