Pamela Childress, Top Rated® Mortgage Banker with BuildBuyRefi.com, powered by The Federal Savings Bank
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Pamela Childress

Top Rated® Mortgage Banker

FNMA HOMESTYLE SPECIALIST | VETERAN LENDING SPECIALIST | FHA 203K SPECIALIST | VA RENOVATION SPECIALIST | NEW CONSTRUCTION LOAN SPECIALIST | CONSTRUCTION LOAN SPECIALIST

NMLS ID# 475652

With over three decades of mortgage lending experience, Pamela Childress is a trusted name in construction, purchase, and VA financing. Known for her ability to simplify the home loan process and deliver unmatched personal service, Pamela brings both heart and depth of knowledge to every client interaction. Whether helping a first-time buyer navigate their options or supporting a veteran through specialized lending, she approaches every file with the same level of care and commitment.

Pamela has earned a reputation for excellence throughout Virginia’s New River Valley and beyond. She is consistently recognized as one of the top VHDA lenders in the region, and her achievements include multiple Chairman’s Club honors for outstanding performance. Clients and colleagues alike value her ability to find the right loan product for each unique situation, taking the time to understand long-term goals—not just closing short-term transactions.

At BuildBuyRefi.com, Pamela focuses on construction lending, purchase loans, and veteran lending solutions, using her extensive experience to make what can be a stressful process feel simple and rewarding. Her attention to detail, deep product knowledge, and client-first mentality have made her a reliable partner for realtors, builders, and families across the region.

Rooted in faith, family, and community, Pamela is a proud member of Faith Missionary Baptist Church in Christiansburg, VA, and an active contributor to the New River Valley Board of Realtors. Outside of work, she finds joy in being a mom and is incredibly proud of her two daughters, Amanda and Ashton.

Schedule A Strategy Or Follow-Up Call With Pamela Childress


Best Manufactured Home Lender By Investopedia House Icon and Map Of US icon representing loans in 50 states. Better Business Bureau A+ rating logo and Top Mortgage Workplaces by Mortgage Professionals Association Best Overall Construction Lender and Best VA Construction Lender Icons as Rated by Investopedia
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THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program we offer exclusively to help our consumers save on their real estate transactions.

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