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Based on 76 star reviews
Based on 78 reviews
Ratings include all 78 reviews. Reviews collected directly from clients are shown only with their permission.
It was great working with Pam, she is quick, to the point, detail oriented lender that I have worked with. I highly suggest working with her.
Response from Owner
Sunny, thank you so much for the kind words and wonderful review! It was truly a pleasure working with you. I appreciate your trust and the opportunity to help make the process a smooth one. Wishing you all the best in your new home!
Pam has been so supportive, helpful and available through the whole process. I'm so grateful!
Pam was absolutely fantastic throughout our home loan process. Her expert guidance, consistent follow-ups, and excellent coordination between departments helped keep everything on track and moving smoothly. Thanks to her dedication and efficiency, our loan was cleared to close 10 days before our scheduled closing date. Pam made what could have been a stressful experience feel easy and well-managed. We highly recommend her to anyone looking for an exceptional loan officer.
Response from Owner
"Wow, thank you so much for these incredibly kind words! Buying a home can certainly feel overwhelming, so hearing that I could help make the process easy and stress-free means the world to me. We made a great team, and hitting that milestone 10 days ahead of schedule was the icing on the cake. Thank you for your recommendation, and please don't hesitate to reach out if you ever need anything in the future!"
Pam and her team were wonderful to deal with. Closing was a breeze due to the great communication and attention to detail.
Response from Owner
"Thank you so much for the wonderful review! It means the world to our whole team, but it’s extra special coming from you. Having you in Donald's wedding was such a joy, and it was an absolute honor to turn around and help you with your own big milestone. I'm so glad we could make the closing process seamless for you. Wishing you the absolute best in your new home!"
Pam was absolutely the BEST to work with. I have gone through the buying and selling process a number of times and this was by far the most streamlined and easiest mortgage process I’ve experienced. Pam took her time to listen to our needs and worked with us over several months before we finally found the perfect house. I would highly recommend reaching out to her when you are ready to purchase your next home!
Response from Owner
Thank you so much for your kind words and for highly recommending my services! I am thrilled that we could make the mortgage process feel smooth and streamlined for you after our months of searching. It was a true pleasure helping you find the perfect home. Also, thank you for sending your friends to me, I promise to take great care of them for you!
Pam was extremely knowledgeable, helpful, and responsive. She graciously helped us run through “what ifs” when negotiating our home purchase and set us at ease. Couldn’t recommend her enough!
Response from Owner
Thank you Samuel for taking time to share your experience working with me and my Team. It was my pleasure to help you make this a seamless process for you. Enjoy your Beautiful New Home!
Pam Caldwell has been a blessing to me. She has patiently explained different processes and how they work. She has calmed my nerves when there were messes with the closing. Pam is very compassionate and cares deeply about what she does and her clients. It has been nine months since we closed on our house and Pam has still answered questions for me to where I can understand my options and what is necessary. She is an incredible voice of reason and I feel privileged to know her.
Response from Owner
Angi, thank you so much for your incredibly kind and heartfelt words. I am so grateful you trusted me every step of the way. Knowing I was able to give you peace of mind-even several months after closing is exactly why I love what I do. It was a privilege to help you and your family!
Great experience working with Pam and her team. They were professional, responsive and helpful throughout the process. I appreciate their guidance and support.
Response from Owner
Raj, Thank you for choosing to work with me and my Team. We were thrilled to be of service. We hope you and your family have many happy years in your Beautiful New Home!
Very lovely and easy to work with it was a great process with her to buy my home!
Response from Owner
Thank you Liberty! I really enjoyed working with you too. Enjoy your beautiful new home! 🏡
I enjoyed working with Pam. She was really helpful in helping me understand concepts and terms I was unfamiliar with.
Response from Owner
Thank you for the kind words! I had a great time working with you. Navigating new terms can be tricky. I’m so happy I was able to make them clear for you. Enjoy your New Home!
Very helpful. I got the information in a way I could understand.
No written review
Great Service
Pam was fantastic! She was empathetic and sympathetic in listening to concerns and answering questions. She was honest and was very good communicating between herself, myself, and the realtor. I greatly appreciated her knowledge and her "get up and go" attitude, but also kind and considerate. Thank you, Pam. You are my angel.
Response from Owner
Wow, thank you so much, Michelle, for this touching review! Hearing that I could be there for you when you needed answers and support means everything to me. You were wonderful to work with, and your "angel" comment truly made my day. Thank you for trusting me! :-)
Response from Owner
Thank you so much Gail. It was a pleasure to work with you both!
Pam Caldwell and her team did an exceptional job throughout our home lending process. Pam communicated clearly, answered all of our questions, and helped make everything feel smooth from start to finish. Most importantly, we were able to close on time, and we felt supported every step of the way. I would highly recommend Pam and her team to anyone looking for a home lender.
Response from Owner
Thank you so much for this great review! It means the world to our entire team to hear that you felt supported and that everything went smoothly. But on a personal note, because you are such close friends of my son, helping you step into your new home was extra special to me. We were absolutely thrilled to be a part of this milestone for you both. Wishing you a lifetime of wonderful memories in your new home, and please know I'm always here for you.
Pam Caldwell did an excellent job on securing our loan across states. Was a pleasure to work with and made the whole process easy. Thanks Pam and team.
Response from Owner
Thank you, Radella. It was a great feeling to be able to help you move close to your grandchildren. I know you’ll have many wonderful years together in your home across the street from them!
Pam and her team are absolutely amazing. They really work with you to get the closing done. It's all done secure and electronically through their website. Pam is always available to answer questions. I've used her twice, and it is been very positive both time.
Response from Owner
Jason thank you so much for your kind words! Our team is dedicated to ensuring secure and efficient closing process, and we’re thrilled to hear that our online platform made things easier for you. Again thank you for taking time to share your experience! It has been a joy working with you on your last two closings.
Great service. Professional and punctual. Highly recommend.
Response from Owner
Casey thank you for your kind words. It was our pleasure to serve you!
Pam and her staff are the best in the business! Very organized and very reliable. Highly recommend!!
Response from Owner
Thank you so much, for your kind words, Steve. It truly means a lot coming from a valued partner. We take great pride in staying organized and dependable and making every transaction as smooth as possible. I’m grateful to have the opportunity to work together and look forward to many more successful closings together.
Gave me a great refinance rate, and easy process.
This is my second time working with Pamela Caldwell! I had an excellent experience working with Pamela and her team at Certainty Bank in Winston-Salem. From start to finish, the entire process was handled with professionalism, efficiency, and great attention to detail. Pamela truly made everything happen right on time, keeping everything on track and stress-free. Megan and Michelle were also fantastic to work with—both were incredibly thorough, responsive, and made sure I had everything I needed every step of the way. Communication was clear, timely, and consistent, which made a huge difference throughout the process. I’m so grateful for their teamwork and dedication. I would highly recommend Pamela Caldwell and her team to anyone looking for a smooth and reliable mortgage experience!
Response from Owner
"Thank you for your wonderful review! We are so grateful for your continued business and are happy to hear that our team provided the professional, efficient service you’ve come to expect from us. I will be sure to share your kind words with Megan and Michelle—they will be so pleased to know they made a difference in your experience. We look forward to working with you again in the future!" Enjoy your Beautiful New Home!
Response from Owner
Thank you for the 5 Star Review, Corey! Our team was so happy to be able to assist in you buying your First Home! We wish you both many years of happiness!
We have used Certainty Home Lending before and have always been given good advice and great service
Every one easy to work with if there was anything I didn’t know or understand Pam quickly broke it down for me and my wife.
Working with Pam Caldwell at Certainty Mortgage made buying my first home an incredible experience. From the very beginning, Pam was patient, knowledgeable, and genuinely committed to helping me understand every step of the loan process. She took the time to answer all my questions, no matter how small, and always made sure I felt confident in the decisions I was making. Pam’s communication was outstanding — she kept me updated, explained everything clearly, and made what could have been a stressful process feel smooth and manageable. Her professionalism and dedication truly set her apart. I’m extremely grateful for her guidance and support. If you’re looking for a loan officer who truly cares and goes above and beyond, Pam Caldwell is the one to trust.
Response from Owner
Thank you so much for your kind words, Selva! It truly means a lot to hear the you felt informed, confident and supported every step of the way-that is always my goal. I am honored to have been a part of this home buying journey with you. Wishing you much happiness in your Beautiful New Home. Please know I am here if you need anything in the future!
Pam was very helpful and thorough walking us through the financial maze when buying our first house. She also helped us build our network with other professional contacts. We are so grateful!
Response from Owner
We are grateful for your kind words, Ally. I am happy my team and I were able to help you navigate thru the process and make your homebuying process painless. I love having a network of vetted business professionals to assist you. Please let me know if there's ever a need. I am happy to assist you.
Pam and her team were great to work with! We sat on the phone for a while trying to get to the monthly payment we were aiming for (balancing down payment and interest rates). She also has a large network of companies she works with, and connected us with a trusted financial management company in the area.
Response from Owner
I love having a network of business professionals to help you out! I’m so happy it all worked out for you. Thank you for the great review! Please feel free to reach out should you need anything further.
Pam and Jenn and all of the associates that helped me obtain my loan at Certainty were absolutely the best!! It was an uphill battle for them given my little credit history and other factors, but they conquered and won! They worked so diligently on my behalf and even outside of their normal work hours. I cannot thank them enough from the bottom of my heart for helping me to become a first time home buyer. Tears of joy were definitely shed. They’ve even followed up and congratulated me and asked if I needed anything. If I could ever recommend anyone for your loan process it would be them. I had very little lack of knowledge in this process, and they helped me every bit of the way. I will always turn to them if ever needed in the future. Cannot say enough wonderful things about them. Thank you for making my dream come true!!!
Response from Owner
Thank you so much for taking the time to share such a heartfelt review. It truly means the world to me, Jenn, Megan and our entire team at Certainty. Helping you achieve your dream of becoming a first-time homebuyer was an absolute honor, and we’re so grateful you trusted us throughout the process. We know it wasn’t always easy, but your perseverance combined with the team’s dedication made this success even more special. Congratulations again on your new home—we’re so excited for you and are always here if you need anything in the future. Thank you for allowing us to be part of such a meaningful milestone!
We enjoyed the smooth process, clear communication, and fast responses to our questions. Pam was always on top of things and made the loan experience completely stress-free. Highly recommend!
Response from Owner
I’m so happy for your parents, Ustav. I know they’re going to love their Beautiful New Home. I appreciate your kind remarks.
Wonderful pam and her team did a fantastic job helping me and my wife get thru everything, and if they was anything that we didn’t understand she was a text/email away and help us out right away.
Response from Owner
Thank you for sharing your wonderful experience! We're thrilled My team and I provided excellent support throughout your journey. Enjoy your New Home!
I cannot recommend Pam Caldwell and her team highly enough! They made the entire mortgage process smooth and stress-free for my son, who was purchasing his first home. From start to finish, their team was incredibly knowledgeable, patient, and attentive to every detail. They took the time to explain all the options clearly and worked tirelessly to secure the best possible rate and terms. Their professionalism and genuine care made a huge difference during what can often be an overwhelming experience. Thanks to Pam, my son is now happily settled in his first home!
Response from Owner
Thank you so much for your wonderful review! It was truly our pleasure to help your son through his first home-buying experience. We know how important this milestone is, and we’re thrilled to hear that the process felt smooth and stress-free for your family. Our team is committed to providing clear communication, attentive service, and the best possible options for every client, and your kind words mean the world to us. Please don’t hesitate to reach out if we can assist you or your family in the future. Congratulations again to your son on his new home! 🏡💙
Pam and her team and amazing! They are very responsive even on the weekends which I very much appreciate since real estate happens a lot on the weekend! They are professional, problem solvers and great lender team!
Response from Owner
Wow! Thank you for such a nice review, Emily! We truly value our partnership and appreciate your trust in our team. Being responsive and supportive—especially on the busy weekends—is a top priority for us, and we’re grateful for the opportunity to help you and your clients navigate each transaction smoothly. Thank you for being such a fantastic referral partner. We look forward to many more successful closings together!
Incredible lender. Goes above and beyond for her clients
Response from Owner
Thank you, Tim. I feel the same about you! You’re so good with your clients.
I highly recommend recommend Pam, She was professional, kind and extremely informative on everything needed in the loan process. Any question I had, day or night she answered it very quickly, I’m definitely gonna recommend her to all my friends and family that are looking to purchase a home!
Response from Owner
Malachy thanks for taking time to post this review. I’m so happy my team and I were able to meet and exceed your expectations. We strive to keep the process smooth for you! Enjoy the Holidays in your New Home!
You can’t possible understand how good Pam and her team/process is until you’ve had a bad experience with another mortgage lender. We’ve financed several properties over the years with varying degrees of problems. We are self employed so it requires a little more documentation. NO ONE compares to Pam and her team. I highly recommend and wholeheartedly recommend her and would absolutely use her again. Keep up the great work Pam.
Response from Owner
Thank you so much for your support, David! I’m so happy my team and I were helpful. We look forward to working with you again!
Pam was wonderful to work with. Always replied to me questions quickly and very knowledgeable. Highly recommend.
Response from Owner
Darlene I’m so happy to be of help. Please let me know if there’s anything else we can do for you.
Response from Owner
Darlene it is a pleasure to be working with you! Thank you.
Pam was amazing to work with. We needed a pre approval letter New years Day and she dropped what she was doing to get that over to us by the EOD. I would never hesitate to use Pam again or recommend her to my friends & family!
Response from Owner
Thank you, David. I enjoy working with you!
Response from Owner
Thank you, Karthik! I’m so happy for you and your family. Your New Home is Beautiful!
Everyone was super responsive and always willing to answer my questions.
Responsive, organized, caring and very quick to close.
No written review
We have used Pamela for two different homes loans! The first we were told no by another agency but Pamela works her magic (even while vacationing) to get us into the home we wanted with the rates and down payment we “needed” so the second time we needed a loan it was a no brainer! WERE ALWAYS CALLING PAM! If you’re looking for a loan officer that CAN she’s your lady!
Response from Owner
Kathy, thank you so much! It was our pleasure to help you with both homes. If there’s anything you ever need, please just give me a call.
Pam Caldwell was knowledgeable and and kind. We didn't shop around for long at all. Her service is superb and she went beyond the call of duty to help us and make us feel confident in our home purchase. Her team is also kind and they were on top of everything. I highly recommend Pam and her team.
Response from Owner
Thank you for noticing we strive to make this a simple process, at the same time offering our over 20+ years of experience and expertise in this industry to make the right loan for you. We wish you both many happy years in your New Home! Thank you so much for allowing us to take great care of you both!
The whole team was incredibly responsive at all times of the day and evening. We closed on our house in an amazing 15 days with the help of Certainty. Thankful for Pam and the entire team. 👍🏼
Response from Owner
Billy, thank you so much! It was a pleasure to help you purchase your Dream Home. I know you and your family will be enjoying that property for a long long time.
Pam was so easy to work with. She was always available to answer questions and handle our loan process quickly and efficiently. I'd definitely recommend her to anyone needing her expertise.
Response from Owner
Thank you, Cindy. I’m so glad we were able to simultaneously close and do a quick turnaround for you. Enjoy your beautiful new home!
Pam and her team were prompt, communicative, and professional. They made the process go smoothly and we felt at ease the entire time. If you go with Certainty Home Lending, trust that you are in good hands.
Seamless Transition & Very Good to Work With.
Response from Owner
It was an honor to serve you both! Thank you for serving Our Country, Tommy! Enjoy your Beautiful New Home!
Pam is great! She is diligent and alway quick to respond. She made the loan process much easier and was very helpful! She really cares about the people she works with and roots for them through the process. Thank you so much for everything, Pam! 10/10 would recommend!!
Response from Owner
Jayme, thank you! It was a pleasure to help you navigate relocating to NC. You’re going to love it here!