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Pam Ola

Branch Manager
4550 W. 109th St, Overland Park, KS 66211
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NMLS: 658554
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TestimonialsCustomer testimonials Read more

Buying a house is stressful. There's a lot going on and very little time to get things done. Pam, Emilee, and the rest of the team were there to answer any questions I had along the way. I would use them again in a heartbeat. Thank you so much.

Jason W. | 7/13/2017

Pam Ola at Guaranteed Rate has an amazing team! I really appreciated the online application process. Every member of the team was extremely knowledgeable and polite. Obtaining a home loan was easy and stress free; all thanks to Guaranteed Rate!

Amory M. | 7/14/2017

This was such an amazing journey, my team that worked with me was absolutely wonderful, so very helpful knowledgeable and just overall incredible. Pam and her team guided me through every step of the way

Danja C. | 7/3/2017

Pam and her team were the "best" ! They made the process fast, easy and painless . I have the utmost respect for them and the fantastic service they provide !

Ivyl G. | 6/29/2017

Pam was wonderful from the beginning, she followed-up to every question and concern that we had, and ensured that all questions were answered, either by her or her assistants. Pam gave us great confidence that she had no concerns about the loan going through, even though we had our own personal concerns because of some of our debt. The entire process was professional and easy. The portal made it very easy to upload documents. I never dreamed that we would close on a house, and actually be in...

Charles C. | 5/5/2017

We were very happy with our experience with Guaranteed Rate. Emilee was the absolute best and was constantly ahead of the game for our success. She was VERY proactive and helpful and went above/beyond. And Pam was very thorough and informative. We are ecstatic! Thank you.

Daniel L. | 6/27/2017

As a first time home buyer I truly could not have been blessed with a better team of people to help our family get into a home. Pam, Emilee, Ben and Claire were patient with questions, always helpful and extremely responsive. I most definitely recommend them to all in search of a home.

Amanda A. | 6/22/2017

I have worked in the mortgage business with Pam for a few years. I was very confident in the service that Pam would provide. Everything was done in a timely manor. What great people skills the whole team has! From start to finish they were 2nd to none. My real-estate agent Janice McKay even commented on Pam - How easy she was to work with. Keep up the great work! Thank you so much

Dale D. | 5/1/2017

Pam was always available by email or phone. Thanks!

Anthony D. | 4/25/2017

I enjoyed working with Pam, Claire, and Guaranteed Rate! They made the whole process seamless and answered all my questions promptly. I felt I asked the same questions over and over again but they would always be willing to take whatever time was necessary. I would definitely use Pam and her group again for our next home purchase and will let my friends and family know who to use as well

Ammon F. | 4/28/2017

Pam and her team are simply amazing. They went above and beyond to assist in the home buying process. I could not have been more impressed with the work of her and her team. Pam and her team worked relentlessly at all hours to assist in questions and ensure my mortgage process went smoothly. I highly recommend Guaranteed Rate to anyone looking to purchase a home.

Jaime G. | 5/8/2017

Pam, Claire, Emilee, the whole team were amazing. So patient and encouraging to me, while I tried to get all of my stuff together. I was so clueless about what buying a home entailed, but they walked me through each step and were just great. I couldn't have done it without them!

Alaina G. | 4/28/2017

Thank you again to you and your team going above and beyond and helping me secure a mortgage. I cannot express my gratitude that my little ones will now have a forever home. I will highly recommend you and your team to anyone who is looking to purchase a home.

Jaime | 5/3/2017

I have never had such a smooth and thorough process in financing my home. I have purchased multiple homes in different areas of the country and have always had something "come up" last minute. Thank you Pam and team for such a good experience. I look forward to the next purchase. I think I found the company I will use from now on, with you guys.

James L. | 4/21/2017

Pam and her team were very proactive, always responsive and professional and thorough in their work. Thank you...

Benjamin W. | 4/5/2017

Throughout my first-time homebuyer experience, Pam Ola and her team did a great job meeting my demands. Pam spent extra time walking me through the pre-approval, good faith estimate and final closing disclosure. She was very patient with my detailed ways, and even spent time helping me with the inspection report review - something I know she did not have to do for me. Additionally, her loan coordinator Benjamin Stutler helped to keep me on track meeting deliverables and also spent time walking...

Brooke N. - March | 2017

From the very beginning of the home buying experience, I was pleased. From the buying agent I had, to the recommendation to use Guaranteed Rate for my lender. Pam and her team made entire process a breeze from the start to closing. I've heard the horror stories when it comes to purchasing a home and getting financing, and let me tell you. Being a first time home buyer and using this company, I can't imagine it could ever get easier! Thank you to Pam and her team at Guaranteed Rate for helping...

Phillip C. - 09/28/2016

Pam Ola and her team were fantastic to work with. They communicated clearly every step of the way and anticipated any of my questions with informative emails. I will certainly recommend her services to others.

Justin R. - February | 2017

Thanks Pam! Your team has made this whole process so easy!! We will definitely recommend you to our friends!!

Lindsay and Lehi J.

GR was a pleasure to work with. Everyone was easily accessible and made the process go smoother than I ever imagined it could be. I was a first-time homebuyer with many questions - my loan officer happily answered all my questions and was more than helpful. I felt GR had my best interest at heart and could not be happier with the service I received. I will definitely use GR for any purchases I make in the future and will recommend them to my friends.

Laura C. | 1/11/2017

Thank you for your help, assistance, and services; I feel that I have gotten the best of the best. Your guidance through this whole transaction built my understanding and made the process much easier, I would highly recommend your services to anyone in need of loan and financial help. Again thank you very much for all that you have done!

Mardy T. - 09/01/2016

Pam Ola was outstanding and we highly recommend using her for future loans. Great job!!

Robert S.

Simply amazing. From start to finish. As a single mom of two silly little girls, it was such a relief to have Pam and her powerhouse team taking care of us. We got the home of our dreams within our budget! I couldn't be any happier. I'll sing their praises from the mountain top!

Heidi T.

We just want you to know how much we appreciate you and all of the hard work you have put into something so special to our family. We have truly enjoyed working with you. Thank you!

James and Brittany

I mostly chose Guaranteed Rate because of Pam. She is very thorough, understanding and professional.

Steven R.

Already my second time using Guaranteed Rate. Pam Ola is fantastic!!

Slade T. – 7/27/2016

Thank you Pam for your patience in working with us and for all of the timely and detailed responses and information, it was very much appreciated.

Paul F. – 6/24/2016

My team appreciates everything you do to help our clients. You are a phenomenal asset to our team!

Chip G., Real Estate Expert – 6/7/2016

We would not have bought our home we are in today without our loan officer Pam! She went above and beyond to get us though the purchase of our new home and we owe it all to her! Thanks again

Dennis B. – 5/23/2016

Amazing service! Pam is awesome and makes everything as easy as possible! Loved her team!

Justin H. – 5/27/2016

Pam and her team were an absolute joy to work with! We will recommend Pam to anyone looking to purchase a home!

William S. – 5/13/2016

Big thanks to you and your entire team!!! You guys have been an absolute dream to work with! From our first conversation I felt like I could trust everything you told us through the entire loan process.

Shannon S. – 5/6/2016

I checked into a refi but decided the rate was still too high. The Loan Officer (Pam Oluola) called me back a month later to tell me that the rate had dropped. It's because of this that I am now on-track with my plan pay off my home and have a mortgage free early retirement. Thank You!

Rebecca D. – 3/23/2016

Pam Ola went above and beyond to help me and calm my fears. She was knowledgeable and helped obtain a loan when others could not. She is #1 on my list!!

Tracy S. – 3/17/2016

Pam Ola and her team made this process so wonderful for me. Being self employed lenders turned me away without much consideration. Pam took me right in and said "we can get this done for you." She was continually patient all the way to the finish line. I love my new home and I can't thank her enough!

Stephanie B. – 2/29/2016

We love love love Pam! We live in Ohio and Pam was able to work with us and was fantastic throughout the process. Our loan was challenging from start to finish and Pam was outstanding! I would highly recommend her to anyone needing a loan. We will use her again!!

Julie W. – 2/24/2016

I would like to thank Pam and her team for making my experience with obtaining a house an easy one.

Rodney K. – 2/22/2016

I wanted to tell you what a great job you did getting Tracy approved for her mortgage. I suggested she go to you and see what you could do based on our previous exchange regarding how you like to help self-employed borrowers and how you know how to get it done when other lenders may not be able to. You are a rock star!!!!!! I hope your day is a little brighter know you made a significant difference in Tracy's life!

Carol B., Listing Specialist – 1/29/2016

Pam Ola and team made home buying the greatest experience that it could be. We appreciated how they explained and walked us through each step of the process. We think everyone should use Guaranteed Rate.

Kreasha W. – 12/17/2015

I've worked with Pam for years on a number of real estate mortgage transactions and I wouldn't use anyone else. She takes a personal interest in you - and your business. Great attention to detail. A professional you can trust.

Dave M. – 04/30/15

Pam is a consummate professional. She worked so hard to help us find solutions and ensure the accuracy and efficiency of our process. She made difficult things easy for us by clarifying and following up whenever possible or necessary. Pam constantly put our interests first and found new and better ways to make things happen! She always had a back up plan.

Boyd T. – 04/30/15

Pam I just want you to know you are amazing! Thank you for taking great care of our clients! I wish all lenders communicated the way you do. It has been wonderful working with you and I look forward to the next opportunity!

Jamie F. – 06/10/2015

Thank you for all your hard work. You guys were great and I will highly recommend you to others.

Brad H. – 12/15/2015

Thank you so much for all that you have done. It has been a pleasure working with you. We will recommend you to all our friends and family.

Kerry T. – 05/30/2015

I appreciate everything that you have helped us accomplish with this house, you definitely put more into customer service than the majority of people do!!

Deborah H. – 9/16/2015

First off you rock!!!! Thanks so much you've been amazing. I will definitely recommend you to everyone.

Nicholas N. – Closed Nov. 2015

The process was quick and the people I worked with were amazing. I couldn't have had a better experience.

Jessica C. – 11/24/2015

Pam was the most amazing part of this entire process.

Koren O. – Kansas City, MO | SEP 2015

Pam is very professional, knowledgable and friendly. It was a pleasure working with her and her team.

Derek S. – Kansas City, MO | JULY 2015

Pam was great. Always available, knowledgeable and quick to respond.

Theodore P. – Kansas City, MO | JAN 2014

Pam helped me buy my first home, which could have been a scary process. She took care of everything once I gave her all my information to process the loan. Make your life easier, go to Pam for all your home loans!

Nick R., February 3, 2011

Pam helped us refinance our house. She helped us get a rate we wanted and was clear and quick with information regarding the process. We always felt she was looking out for our interests, and she made the paperwork painless and quick. Pam was fantastic to work with

Brian B., February 3, 2011

My wife and I have employed Pam on two different occasions, and we will certainly use her services in the future as well. On both occasions, she was fun and personable, yet professional. She has an excellent knowledge of the industry, and we trust her. She truly wants the best for her clients, and understands that long-term relationships are the way business should be done.

Ryan E., February 4, 2011

In my 13 years’ experience as a Real Estate Appraiser, I have never met anyone as trustworthy and thorough as Pam. I have done several appraisals for Pam’s client and they all have nothing but good things to say about their experience. I was so impressed with Pam’s character and the quality of her work that I chose to use Pam for the refinance of my own personal residence over all of the mortgage people I have done appraisal work for. Pam is the ONLY mortgage broker that I recommend to people...

Mike H., February 8, 2011

Can’t pick just 3 attributes, but will try! Pam was our advocate at every step of us buying a new house. She was great to work with, a deep expert on mortgage types, and was a trustworthy source we could depend on to inform us and help us make the best possible decisions. We could not have done it without her.

Heather C., February 8, 2011,

Pam has been the ONLY mortgage broker I have used, since 2004 when she came to me highly recommended. She is very knowledgeable and stays up to date on the latest rules and regulations. I have used her several times as a financial advisor and her skills are very well rounded. I have been so pleased with her performance I have trusted her with my family and friends who are also impressed with her skills.

Michelle W., February 8, 2011

Pam helped me refinance my home in 2010. From our first contact she was extremely attentive to our needs and provided several options to help me make the best decision. She is very personable and easy to work with. As a result of her efforts, we were able to save nearly $50K over the lifetime of our mortgage.

Matt A., February 8, 2011

I worked with Pam to refinance my home mortgage & it was an excellent experience. Pam is well versed in her field & provides excellent service to her clients. She is highly professional while being very personable. She made the refinancing process easy & efficient. I highly recommend Pam to anyone seeking a mortgage broker.

Patti W., February 10, 2011

Pam is a consummate professional. She worked so hard to help us find solutions and ensure the accuracy and efficiency of our process. She made difficult things easy for us by clarifying and following up whenever possible or necessary. Pam constantly put our interests first and found new and better ways to make things happen! She always had a back-up plan. Thanks for all you have done Pam.

Boyd T., September 25, 2012

I've worked with Pam for years on a number of real estate mortgage transactions and I wouldn't use anyone else. She takes a personal interest in you - and your business. Great attention to detail. A professional you can trust.

Dave M., April 30 2013

We have used Pam several times, and we highly recommend her to everyone we know. She is extremely knowledgeable, and delivers quality results. My favorite thing about her is that I trust her to give me the best deal possible, and set it up in a manner that benefits ME.

Ryan E., May 3, 2013

Pam has helped me refinance my home mortgage twice and I would go through her again. She went the extra mile making sure my loan went through when times could have been hard and her timing for getting me the best rate possible was perfect.

Jim R., May 4, 2013

Pam has a vast knowledge of the mortgage loan process. She is extremely professional and very easy to work with. Pam is readily available and willing to walk through every step of loan process so that there are no surprises or issues that block the loan process. She is also very patient and understands the need for me as client to know what to expect and how the loan process goes. Pam is quick to secure the best interest rate and is willing to work with clients on any issues that could block...

Heather C., May 7, 2013

Pam is fantastic. She helped us through two refinances and a home purchase. She is an industry expert and has the passion to ensure your interests are protected. She is a dogged advocate for her clients and is a hard worker. I have no reservations recommending her and look forward to working with her again.

Brian B., May 10, 2013

Pam is rock solid. She is responsive and great to work with. We received a rate less than a full percent point on our refinance. We have worked with her twice.

Andrew J., May 16, 2013

She made the process of refinance as painless as I believe possible! I hate pulling financials! Thank You Pam.

Tim C., September 18, 2013

Pam is excellent to work with and does what she says she will do in a timely fashion. More importantly, she frequently goes above and beyond what is expected of her and does so with a smile. She makes things happen. I highly recommend her as a partner you should add to your own business.

Dave M., October 7, 2013

Pam was so great. We had to be out of our current house and we had already planned an out of town trip. Somehow she was able to close on our home before we left for out of town. It was such a blessing for our family to purchase our first home and not having to continue to rent.

Karman R., June 3, 2014

I have worked with Pam on some mutual Clients for a little while now, and I have seen first hand the wealth of knowledge and experience she has. Pam has been in the business for a long time and has worked on all sides of the mortgage process. Being an insurance agent, I know how important it is in having a good Mortgage person. If you are looking to purchase, refinance, or just have some questions, I highly recommend you use Pam Ola!

Brian C., January 16, 2015

Detail oriented, professional, very easy to work with. I've now used Pam twice and on both occasions was very pleased. As a veteran and a self employed business owner sometimes home loans can be very difficult to obtain. Pam understand business financial and VA loans. I would recommend Pam’s services to anyone looking to make that purchase of a lifetime.

David C., January 17, 2015

Pam is a proactive and tireless Mortgage Originator. Pam has originated several loans for us, each loan has been handled in a very professional and timely manner. I would recommend Pam to help with any mortgage financing needs you may have.

Cindy C., February 9, 2015

I have had the pleasure work with Pam on a few loans. She has always been a few steps ahead on the lending process. It has been a breath of fresh air to work with a lender that does not wait until the last minute. I have also had questions with some unique situations and Pam is more than willing to help. I would be happy to share her name and number with my family and friends.

Ben B., Realtor at Keller Williams Realty

About Pam

Pam Ola has worked in the mortgage industry for over 14 years. 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.

Pam grew up in New Jersey before moving to the Kansas City Missouri area over 20 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 meets their unique and individual needs.

She specializes in financing single family homes, townhomes and condos in Missouri, Kansas, Nebraska, Iowa,Texas and California.

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, builders and financial planners.

If you are looking for a lender who will provide you with customized, exceptional service, you have found her!

Pam interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I start by having a conversation with each client to discuss both their short and long term goals. Then I will have them fill out an application (online or over the phone with me) and then I will look at all available loan programs they qualify for. Once I have done that I will make a few recommendations and then provide a summary of those options. If they are purchasing a home I will then send the client and their realtor a preapproval letter and let them start home shopping! While they are looking for their home, I start collecting documents so that we can get their loan done quickly once they find a home. If they are refinancing - we will discuss which program makes the most sense in their situation and then we will get started on their refinance.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I will just say this - there are MANY challenging situations that come up! Some loans are simple. But there are a lot that are complicated. Many people are self employed, are commission based, have changed jobs/careers, want to buy a property that has a few problems that need to be fixed, have had prior credit challenges, lost a home, had a bankruptcy, etc..... The list could go on and on. Whether the challenges you may have come up when I am taking your initial application, or are discovered in the loan process, I am very good at working through the challenges and figuring out a solution that works for both the client and the lender. It is one of the things I enjoy most about this job - using the skills I have learned and thinking outside of the box to figure out the solutions. And if there is not a work around today for someone's challenges - I am happy to take the time to tell you what needs to be done to help you with a loan in the future.
What can borrowers do to insure a smooth mortgage underwriting process?
Tell me about anything that you think might be a challenge upfront - so I can plan accordingly. And then provide the documents we request quickly. Help me and my team do our job quickly and efficiently so there is no last minute stress on your part.
Tell us something that makes you unique or something wacky, yet interesting about you?
My nickname is Pam Ola - the Mortgage Chick! I like to giggle. I talk with my hands, even when I am on the phone and no one can see me! And I seldom leave my shoes on- I should probably be called the Barefoot Mortgage Chick. And I think life should be enjoyed every day, no matter your circumstances - life is short so let's make the best of it!!

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